This sounds horrible. In Europe there is the PSD2 [1] standard that basically forces (since 2020) all banks to provide some form of API to access and control c

This sounds horrible. In Europe there is the PSD2 [1] standard that basically forces (since 2020) all banks to provide some form of API to access and control customer accounts. And since all banks already had to go thorugh the work of creating an API, some of them even make them completely publicly avaiable (which isn't strictly required by PSD2). I once built a script to pull all transactions from my bank account to create a financial history in just one afternoon. No scraping or shady third-party services neeed. It takes a while to get such regulations into effect, but I think this would be a much better alternative to services like Plaid. [1] https://en.wikipedia.org/wiki/Payment_Services_Directive https://en.wikipedia.org/wiki/Payment_Services_Directive