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this post was submitted on 07 Dec 2023
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Privacy
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I know it's an unobtainable dream, but a banking app for every bank on any platform.
Banks could simply come together and develop an open banking standard for customers. Would probably save them a lot of money too, since the development of their stupid apps presumably costs them a lot.
Yeah, but think about all the data they can gather for their marketing team and the ads they can send over notifications.
no way bro that would be too simple and easy for the customer! nah best to just have tracker injected bloated apps infesting everyone's phones.
https://en.m.wikipedia.org/wiki/Open_banking
All banks in EU have APIs for this purpose (also see PSD2).
Banks in the US use Open Banking APIs too, they won't open it up for the public to use, though. Every company, not just banks, wants us to have their app on our phone.
This seems to be more of bank-to-bank protocol than a bank-to-customer protocol.
I was developing these apis for one of the biggest banks in central/eastern Europe.
You’re right that they are not intended for bank to customer access directly. What they allow though is for third parties (other banks, mobile apps, services) to access these apis. It requires a licence though.
Point is that a lot of banks in Europe allow to add other bank‘s accounts to their app. Also aggregator apps exist.
Maybe thats not too dreaming in some countries... Brazil for example (use the translate that u prefer from pt-BR)
Just use a psyche processor on your Navi and then you can figure out the rest by yourself.