You've read all the laws? Regardless, there is likely a legal framework preventing competition and requiring the banks to standardise and coordinate. Otherwise people would go start their own bank that didn't require remote attestation; because the best way to pick up customers is to be flexible about letting them access their own money. In a free market there is a lot of pressure on financial service companies to butter their customers up (at least until the customer owes them cash).

If you're dealing with a legal oligopoly then it is expected that the quality won't be so great.