> The online banking CRUD interface might have up-to-date data, but it isn't an API, and being behind some weird proprietary single-sign-on setup makes it pretty hard to scrape, too.
That’a why they also provide an API. They are required by law to do so (https://en.wikipedia.org/wiki/Payment_Services_Directive)
> I don't think there's any bank in North America that requires 2FA to login to your online banking.
This is required by the same law.