[eswat]

I’ve been using Mint for several years. But there actually was a point two years ago where I got concerned about them having all my credentials. I deleted my account and changed all my passwords.

Fast-forward a few months later and I’m using them again. Whatever concerns I had about data security did not outweigh having immediate information to all my accounts and reports that would take me too long to generate myself. I don’t worry so much about Mint abusing my data as someone hacking their services. I wouldn’t have the same trust level with a startup or smaller company though.

[calinet6]

That's a huge tell: the convenience and value of having all your accounts aggregated far outweighs the security concerns, and frankly even the myriad and difficult and frankly frightening methods of connecting your accounts.

That's why people do it, and there's clearly an opportunity for a better experience...

[jlgaddis]

Absolutely there is. I only log in to Mint perhaps once every few weeks, but I would much rather not use it at all -- or, more correctly, I would rather them not have my credentials.

But... I have personal checking and savings accounts at the local credit union, personal checking and savings accounts at one of the large, major banks, business checking and savings accounts at the (same previously mentioned) credit union, as well as several store and major credit cards issued by various financial institutions. (I tracked my vehicle loan within Mint as well, until I decided to just go ahead and pay it off.)

The convenience of being able to see all of them, quickly, within the same "single pane of glass" apparently outweighs the fears that I have or I wouldn't use it. An attacker acquiring the credentials for most of those accounts wouldn't be too much of an issue, honestly. The one account I would worry about would be my (primary) personal checking account but, luckily, the credit union's web site/software is pretty limited with regard to what kind of transactions could be performed... and, now that I think about it, I'm not sure I can initiate any transactions via their web site. The one thing I know I can do is the "online bill pay" but I would have to physically go into one of their branches to sign up for that before it was even available.