[neither_color]

I hate fintech apps for demanding information that's none of their business. I can't make an ACH payment on Paypal without giving them my bank login. It was an arbitrary requirement that Paypal started imposing after using the same account for years, now I simply don't use Paypal. On Cashapp, I can't withdraw via ACH unless I share my bank login(so I have to pay for "instant transfer to debit" instead. Apple Pay is my p2p of choice now because they don't engage in this nonsense, and I only deal with others on the rare occasion that someone can only pay me with one of the aforementioned abusive services.

I would be OK with Plaid if they let you manage what you share with apps via permission management.

For example: If fintech app wants to make sure I have $500 to send to my friend, I should be able to tell Plaid NOT to share my entire transaction history and it should simply give said app a binary "sufficient/insufficient" balance. No institution should get to look through my transaction history without having a damn good reason. No, I won't give companies the benefit of the doubt in our "ask for forgiveness not permission" tech culture. Assume that any information gathered about you will be monetized or used against you.