Counter-anecdote: my brother is building a startup (cashflow forecasting tool, check out https://tailwindapp.eu/ https://tailwindapp.eu/) on top of those bankin

Counter-anecdote: my brother is building a startup (cashflow forecasting tool, check out https://tailwindapp.eu/ https://tailwindapp.eu/) on top of those banking APIs. Granted, he's spent many years in the industry, but as I understand, API access was by far not the hardest part of it.