In germany HBCI/Fints is an standard quite a few banks use. I think its the oldest onlinebanking standard that is still in use. you can send money, check transa

In germany HBCI/Fints is an standard quite a few banks use. I think its the oldest onlinebanking standard that is still in use. you can send money, check transactions and everything runs over https. The user only has to enter his credentials and optional an second factor. For sending money an second factor was always used.