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by matheusmoreira
305 days ago
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I tried to do something similar not too long ago. At the time I was using ledger for personal accounting. Ledger is amazing and incredibly flexible. Writing the journals with detailed financial data is way too time consuming though. I tried to write software to pull this data from the banks. Got in touch with the managers at my bank and everything, they even referred me to their devs. I just needed read only access to my own bank account. I eventually discovered I needed permission from the goddamn central bank to do this. I also tried to integrate with my government's electronic consumer receipt systems. The idea was I'd scan the receipt with my phone or laptop camera and it'd download the data and automatically generate a detailed ledger journal entry with individual postings and metadata for every product I purchased. This was going to save me so much time it's not even funny. I discovered I had to create a corporation to even ask the government for API access to my own data. |
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"Open Banking" is just… not open at all. Misleading name.
Had similar idea - just to pull my own data, tag transactions, etc etc, and have a nice stats. Nope, it is so "open" that it's just impossible to pass for single-user idea. "Open Banking" just gives me opportunity to show in my Bank A part of data from Bank B.