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usually this is done using oauth



No, it's not.

We're taking about end-users utilizing a third party service to get some kind of visualisation for their Bank accounts.

While German banks have a standardized API (FinTS), the normal authentication details are still necessary in order to use it, so basically all third party services demand them for that.

The only place where oauth2 is used is for single sign on between services of the same company and maybe - very rarely - you also get social auth from Facebook or similar.

No bank I've ever seen ever provided a public oauth API with which you could fetch data.




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