Intuit Mint is not much different. Mint was forced by some banks to not use customer credentials, and instead request an OAuth token from the customer to allow

Intuit Mint is not much different. Mint was forced by some banks to not use customer credentials, and instead request an OAuth token from the customer to allow read-only access. So Plaid/Mint have the tech, they just don't do it because of adoption issues at other banks.