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This is fascinating. I’d always assumed that these open banking platforms had to go through a protracted period of relationship-building and negotiation with financial institutions, but you’re saying the most common approach is scraping? Is this how, e.g., Plaid does it?



Correct. And not just for banking either. For financial brokerage APIs, a lot work the same way.


That is ... absolutely bonkers.

Thanks for your insight.




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