I’m looking for bank import tools (ala Plaid) for customers, and it occurs to me that it is absolutely ridiculous in this day and age that there is no universal

I’m looking for bank import tools (ala Plaid) for customers, and it occurs to me that it is absolutely ridiculous in this day and age that there is no universal API for securely delegating read only access to bank transactions. My personal banks managed to finally work with Mint, but even then, some will break if two factor authentication is enabled. This should be a standard.