>>>quicken et al at least use a system now where the bank grants read only permission as an app integration ...not always, they don't. Some financial institute

>>>quicken et al at least use a system now where the bank grants read only permission as an app integration ...not always, they don't. Some financial institutes provide this, some do not. I know very specifically that some FIs do not have any way to grant read-only access, and that aggregators like Plaid, Flinks, Quicken, etc. will simply fallback on good-old-fashioned "give us your username/password and we'll screen scrape your account info". I can personally attest to this being true in 2025 in Canada, at least.