[fkistner]

Enterprisey APIs with adoption beat nicely designed APIs without adoption anytime.

Besides, that does not explain, why none of the other banks can get their act together. If FinTS is too difficult to implement, how come they are not offering something simpler?

[pc86]

> Enterprisey APIs with adoption

Your conflation of "bad" with "enterprisey" is unfortunate. Also, is it really adoption if different banks only support specific features/versions?

> If FinTS is too difficult to implement, how come they are not offering something simpler?

Well banks aren't really in the business of APIs, are they? Nobody is graduating #2 in their class at Stanford with a CS degree and going to work for a bank as a web developer.

[jupin]

Banks aren't in the business of offering APIs because there's little incentive to do so. Even if there were a lack of talented technology-based employees, that likely wouldn't prevent APIs from being developed.

The issue of incentive boils down to the fact that business clients, being the main source of revenue for retail banks, simply aren't making enough noise about their desire for APIs.

[germanier]

There is a huge amount of software using those APIs including ones written by one-person-teams so the situation can't be too bad.

[txdv]

Like xml and json... Wait a minute