For the top 14 banks we work closely with the banks to build connections - however for the smaller and mid-size banks we work and connect with a variety of vendors that serve those banks.
I personally sit on the OFX consortium (and a couple other financial standards committees) and I'm not overly bullish. I'll just leave this link here.... https://xkcd.com/927/
That XKCD strip is very true for financial standards. :(
I think you missed a question (unless it was intentional :), but how do you deal with enduser bank credential storage (both technically and legally when dealing with bank ToS)?
For example, on the technical side, do you store the credentials themselves or just session tokens/cookies?
For the top 14 banks we work closely with the banks to build connections - however for the smaller and mid-size banks we work and connect with a variety of vendors that serve those banks.
I personally sit on the OFX consortium (and a couple other financial standards committees) and I'm not overly bullish. I'll just leave this link here.... https://xkcd.com/927/