since they are heavily based on existing aggregators, they are limited by the lowest common denominator (if a good chunk of e.g. Yodlee-scraped credit unions on

since they are heavily based on existing aggregators, they are limited by the lowest common denominator (if a good chunk of e.g. Yodlee-scraped credit unions only support 180 days, then that's a limiting factor for everyone). I would expect they will gradually improve and cut out other aggregators and replace with direct connections that have more & better data as they go along. Or maybe not, because with Oauth they then become at the mercy of the bank that issues the token (banks can revoke tokens or attach individual conditions on what data is accessed and how much). It's not an easy business to be in.