Back when I worked at a FinTech company there was a push to use Plaid to dramatically simplify parts of our process. I couldn't get over how terrifying this service was though. Honestly, it was a part of what made me quit that job.

There were alternative ideas like the EU's Open Banking initiative (IIRC) we could have tried to look at, but nothing was anywhere near implemented. Nothing is forcing the banks in the US (where I worked) to implement anything like this. I'm not even sure it's working in the EU yet?

Anyway, this brings back nightmares. Glad I haven't been plagued with plaid since then... yet. knocks on wood