[MarkSort]

I'm also interested in automated exports performed locally.

For my credit union, I "reverse engineered" the API and export multiple times throughout the day.

I wrote an extension that exports the data for CapitalOne, but I haven't gotten around to trying it either headless or even just in any automated fashion.

Easy automated export of user data, even beyond financials, is something I'd like to see more of. Feels like it could be a workaround while there's so little decentralization.

[jlongster]

@jpeeler @Marksort I wish the same. I've also given feedback to Plaid that they should implement an encryption scheme that allows data to be encrypted from Plaid to the user, so at least apps which sit in the middle couldn't read your data. Nobody is interested in that though.

There _sort of_ is a solution where your computer directly connects to the bank. The format is called OFX (https://github.com/libofx/libofx), and there is a directory of banks that provide these files directly online. This site (https://www.ofxhome.com/) lists the URLs to use for each bank.

I used that for a while many years ago. But it's terrible and requires massive maintenance. For an app that requires connections to arbitrary banks, there's no way developers can support these direct downloads. There's always different errors in data for different banks, etc. Unfortunately, Plaid is solving a real problem