[Nextgrid]

It doesn't really work. Open Banking doesn't seem to enforce a consistent API which means you either need to implement a client for each bank (and their data model) individually or use something like Plaid (in the UK our equivalent is TrueLayer) to aggregate all the different banks into a single API.

[Nursie]

This is just not true, for Open Banking in the UK. API standards are published and banks must implement them.

There was a get-out, but it was a bad one for the banks - if any bank did not provide a compliant API by a specific date (IIRC sometime last year) then they would have to keep their web sites entirely unaltered in order to support scraping.

[overscore]

PSD2 doesn't even mandate APIs as the mechanism of access!