We have attempted to try the open source bank access model you've described [1], but I'm not confident that such a system would ever be dependable without the c

We have attempted to try the open source bank access model you've described [1], but I'm not confident that such a system would ever be dependable without the cooperation of the FIs themselves, for the reasons AdieuToLogic gives. [1] https://github.com/simplefin/bank-access https://github.com/simplefin/bank-access