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by vitalikpie 6 days ago
Agree. I wish banks have their APIs open. It's 2026 and we have OIDC.

But I used to actually pull the CSV once a week and feed it to GnuCash. It's pretty good at auto-categorization.

Also I simplified my finances to only a couple of checking accounts and only one credit account (for car rentals).
1 comments
rbanffy 6 days ago
> I wish banks have their APIs open

There needs to be a lot of investment in training and safe defaults though. Most people are not ready to automate even a little of their banking like that.

I would even prefer banks had the option to push data to trusted feeds than having open APIs you could call on your own.

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abdullahkhalids 6 days ago
Only need a read only API for financial analysis.

I definitely do not support an API for doing financial transactions. That will result in so much hacking and theft.

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doodlesdev 6 days ago
Yup or restrict API usage to trusted providers. In Brazil, we have a system called Open Finance [1] which allows you to connect bank account, so you can see investments, money spent, credit card spending and limit, etc. from your other bank accounts. Some local personal finance systems integrate into Open Finance to pull all of this data for you.

[1]: https://openfinancebrasil.org.br/

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vitalikpie 6 days ago
Agree on this. Current situation is kinda broken:

- people do not trust Plaid and Finicity - data is captive inside of bank portals - each damn CSV has it's own format

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