[fishywang]

>IME, Plaid is lightyears ahead in terms of reliability and overall developer and end-user experience.

I don't know. Maybe their competitors are even worse? But as an end-user Plaid's experience is far from good.

In their current state I really don't have much control after I gave them my banking credentials. If they can actually implement an OAuth model for their paying customers (e.g. third parties using their API) to integrate, that would be much better. For example when I try some service first I can initially only give it access to one of my least important account, evaluate whether it's useful, before giving it more of my accounts, or revoke it access to all my accounts. I have none of those controls today.

I actually also interviewed with them several years ago, and mentioned the OAuth thing during my interview. But after all these years it's still not there. If I have to _guess_ why, I would guess they fear such a feature will make their paying customers (API users) less likely to use their product, e.g. their business model actually relies on the end users' lack of control.