The US banking system needs an enforcement model like PSD2. That one mandated an API that EVERYBODY can use. I should be able to write an application that pull

The US banking system needs an enforcement model like PSD2. That one mandated an API that EVERYBODY can use. I should be able to write an application that pulls data directly from Chase / BofA / CapitalOne via a standardized API, without having to pass through systems like Plaid. This is essentially the largest hurdle that open-source applications have. Not that they don't have enough knowledge, but their adoption is hampered by a difference in features between applications like Mint. Mint worked seamlessly. No need for CVS exports & imports, mapping columns etc. It just worked. The fact that we can't get that without having to sign large contract is scandalous.