The thing that keeps me away from all of these kinds of things is the requirement to hand over my user/pass for financial accounts. Questions for those that kn

The thing that keeps me away from all of these kinds of things is the requirement to hand over my user/pass for financial accounts. Questions for those that know the space: 1. Is that a big struggle for fintech companies or do most people just shrug it off? 2. Are companies working on (and making progress) standards for system communication without user/pass?