To add an interesting layer, financial institutions are investing in these solutions. Goldman previously invested in Plaid, and Fidelity invested in Quovo whic

To add an interesting layer, financial institutions are investing in these solutions. Goldman previously invested in Plaid, and Fidelity invested in Quovo which takes a similar approach. At some point I think it's on the banks to offer OAuth APIs, then Plaid can swap out one-by-one (if it hasn't already started). Nylas is facing the same challenge in the email space. They have oauth for gmail, but user/pass for Exchange/SMTP.