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by amaccuish
976 days ago
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In Germany, we have HBCI/FinTS, it's basically a standardised protocol to do "home-banking", and it works really well. I use an open source Java app, Hibiscus [0], and it connects to all my accounts and downloads the transactions. I can also make transfers in the software and they're pushed to the respective banks. It's almost what I imagine client-server Open Banking could have been. There's also the EBICS protocol, but that is more for B2B, server-server communication I believe. [0] https://github.com/willuhn/hibiscus/tree/master |
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That implementation leaves no room for gatekeepers or other busybodies so there's no way it would be in this day and age.