[tluyben2]

Yes, like my company, who in turn make useful apps for consumers which was far harder (and more expensive) before. You had to jump through all kinds of hoops, you don't need to jump so many here in EU/UK. I did integrations in HK/AU/US and that was seriously painful without these in place. And far more expensive.

[pabs3]

No offense, but trusting third-party companies with financial data is unlikely for many people, they are probably more likely to write a scraper for their bank's horrible web interface or reverse engineer their bank's mobile app than do that.