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In the EU, we're getting DSP2 [0] which requires banks to publish usable APIs to: get account information, and initiate money transfers. That's huge, though only at a baby stage for the moment.

[0] https://ec.europa.eu/commission/presscorner/detail/en/IP_15_...






This is a sham. You need to go through a certification process which costs $$$ before you can get access to those APIs even if the banking data is processed locally, which will only empower the incumbents while locking out open-source solutions and indie developers (remember that a lot of tools & products we use started as someone's side-project; this regulation locks those out by default).

At least with credential sharing & screen-scraping nobody can lock you out. Does it suck? Yeah. But I'd rather take a solution that sucks than no solution at all.




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