This, I remember a time where each and every bank in Germany supported HBCI - the Home Banking Computer Interface. Later renamed to FinTS. There were several g

This, I remember a time where each and every bank in Germany supported HBCI - the Home Banking Computer Interface. Later renamed to FinTS. There were several generic apps that allowed you to add any of your banks and pull transactions, setup transfers, and all other basic things you can do with a bank account. https://en.wikipedia.org/wiki/FinTS https://en.wikipedia.org/wiki/FinTS Then, banks discovered that they can lock their customers in an own app where they don’t hear about other banks. And also, where their developers don’t need to read and understand (and implement) the HBCI/FinTS standard.