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#openbanking

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:mastodon: Mike Amundsen<p>The state of UK Open Banking APIs <a href="https://buff.ly/4hHZzWv" rel="nofollow noopener noreferrer" translate="no" target="_blank"><span class="invisible">https://</span><span class="">buff.ly/4hHZzWv</span><span class="invisible"></span></a></p><p>"Since 2018, the United Kingdom has been considered as the global frontrunner in Open Banking both in terms of technology adoption and by its progressive regulatory framework."</p><p><a href="https://mastodon.social/tags/api360" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>api360</span></a> <a href="https://mastodon.social/tags/openBanking" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>openBanking</span></a></p>
Europe Says<p><a href="https://www.europesays.com/1870272/" rel="nofollow noopener noreferrer" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="">europesays.com/1870272/</span><span class="invisible"></span></a> Pay by Bank Is User Experience Grand Slam for Sports Betting <a href="https://pubeurope.com/tags/america" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>america</span></a> <a href="https://pubeurope.com/tags/disbursements" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>disbursements</span></a> <a href="https://pubeurope.com/tags/Entertainment" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Entertainment</span></a> <a href="https://pubeurope.com/tags/FeaturedNews" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>FeaturedNews</span></a> <a href="https://pubeurope.com/tags/fraud" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>fraud</span></a> <a href="https://pubeurope.com/tags/gambling" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>gambling</span></a> <a href="https://pubeurope.com/tags/health" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>health</span></a> <a href="https://pubeurope.com/tags/InstantPayouts" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>InstantPayouts</span></a> <a href="https://pubeurope.com/tags/JohnParsons" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>JohnParsons</span></a> <a href="https://pubeurope.com/tags/News" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>News</span></a> <a href="https://pubeurope.com/tags/OpenBanking" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>OpenBanking</span></a> <a href="https://pubeurope.com/tags/PayByBank" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>PayByBank</span></a> <a href="https://pubeurope.com/tags/PYMNTSNews" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>PYMNTSNews</span></a> <a href="https://pubeurope.com/tags/PymntsTv" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>PymntsTv</span></a> <a href="https://pubeurope.com/tags/security" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>security</span></a> <a href="https://pubeurope.com/tags/sports" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>sports</span></a> <a href="https://pubeurope.com/tags/SportsBetting" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SportsBetting</span></a> <a href="https://pubeurope.com/tags/sportsbooks" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>sportsbooks</span></a> <a href="https://pubeurope.com/tags/Trustly" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Trustly</span></a> <a href="https://pubeurope.com/tags/UnitedStates" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>UnitedStates</span></a> <a href="https://pubeurope.com/tags/UnitedStatesOfAmerica" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>UnitedStatesOfAmerica</span></a> <a href="https://pubeurope.com/tags/US" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>US</span></a> <a href="https://pubeurope.com/tags/USA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>USA</span></a> <a href="https://pubeurope.com/tags/video" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>video</span></a></p>
Ian Brown 👨🏻‍💻<p>😵 “Mandatory <a href="https://eupolicy.social/tags/OpenBanking" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>OpenBanking</span></a> would give [officials) constant access to the bank statements of welfare recipients, revealing deeply private information”<br><a href="https://www.thetimes.com/article/13ea518d-73dc-4898-a1b1-ef22cc3be29e?shareToken=1c6e4651a9d8ff68e1d5d173339aa201" rel="nofollow noopener noreferrer" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="ellipsis">thetimes.com/article/13ea518d-</span><span class="invisible">73dc-4898-a1b1-ef22cc3be29e?shareToken=1c6e4651a9d8ff68e1d5d173339aa201</span></a></p>
Europe Says<p><a href="https://www.europesays.com/1861129/" rel="nofollow noopener noreferrer" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="">europesays.com/1861129/</span><span class="invisible"></span></a> Moldova’s Paynet integrates Salt Edge’s Open Banking compliance solution <a href="https://pubeurope.com/tags/Compliance" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Compliance</span></a> <a href="https://pubeurope.com/tags/DigitalWallets" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>DigitalWallets</span></a> <a href="https://pubeurope.com/tags/FinancialServices" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>FinancialServices</span></a> <a href="https://pubeurope.com/tags/fintech" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>fintech</span></a> <a href="https://pubeurope.com/tags/Mastercard" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Mastercard</span></a> <a href="https://pubeurope.com/tags/Moldova" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Moldova</span></a> <a href="https://pubeurope.com/tags/OpenBanking" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>OpenBanking</span></a> <a href="https://pubeurope.com/tags/Paynet" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Paynet</span></a> <a href="https://pubeurope.com/tags/psd2" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>psd2</span></a> <a href="https://pubeurope.com/tags/SaltEdge" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SaltEdge</span></a></p>
Europe Says<p><a href="https://www.europesays.com/1817946/" rel="nofollow noopener noreferrer" target="_blank"><span class="invisible">https://www.</span><span class="">europesays.com/1817946/</span><span class="invisible"></span></a> Yapily to Power Adyen’s Merchant Services Across Europe With Open Banking Technology <a href="https://pubeurope.com/tags/AccountVerification" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>AccountVerification</span></a> <a href="https://pubeurope.com/tags/Adyen" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Adyen</span></a> <a href="https://pubeurope.com/tags/america" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>america</span></a> <a href="https://pubeurope.com/tags/creditworthiness" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>creditworthiness</span></a> <a href="https://pubeurope.com/tags/Data" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Data</span></a> <a href="https://pubeurope.com/tags/merchants" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>merchants</span></a> <a href="https://pubeurope.com/tags/OpenBanking" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>OpenBanking</span></a> <a href="https://pubeurope.com/tags/OpenBankingInfrastructure" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>OpenBankingInfrastructure</span></a> <a href="https://pubeurope.com/tags/science" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>science</span></a> <a href="https://pubeurope.com/tags/technology" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>technology</span></a> <a href="https://pubeurope.com/tags/UnitedStates" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>UnitedStates</span></a> <a href="https://pubeurope.com/tags/UnitedStatesOfAmerica" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>UnitedStatesOfAmerica</span></a> <a href="https://pubeurope.com/tags/US" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>US</span></a> <a href="https://pubeurope.com/tags/USA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>USA</span></a> <a href="https://pubeurope.com/tags/Yapily" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Yapily</span></a></p>
Francesco P Lovergine :debian:<p><span class="h-card" translate="no"><a href="https://mastodon.uno/@strk" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>strk</span></a></span> <br><a href="https://floss.social/tags/openbanking" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>openbanking</span></a> un paio di palle, solo le startup e operatori qualificati possono usufruirne, il resto degli utenti deve continuare ad impazzire con pdf e altre forme di reportistica da anni 90, fogli elettronici grezzissimi quando va bene. SIamo nel 2025, ma queste cose continuano ad essere gestite come ai tempi di Cariplo, come niente fosse (la prima con un home banking che si potesse definire tale nel 95).</p>
Sandro Santilli<p>Usate qualche software libero per gestire le vostre finanze ?<br>Tempo fa usavo <a href="https://mastodon.uno/tags/GNUCash" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>GNUCash</span></a> e oggi sento di nuovo il bisogno di usare qualcosa ma visto l'avvento di <a href="https://mastodon.uno/tags/OpenBanking" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>OpenBanking</span></a> mi piacerebbe una soluzione sempre libera ma in grado di scaricare i movimenti direttamente tramite API bancaria.</p><p>Ho visto <a href="https://mastodon.uno/tags/ActualBudget" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>ActualBudget</span></a> (<a href="http://actualbudget.org" rel="nofollow noopener noreferrer" translate="no" target="_blank"><span class="invisible">http://</span><span class="">actualbudget.org</span><span class="invisible"></span></a>) pubblicizzato come <a href="https://mastodon.uno/tags/OpenSource" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>OpenSource</span></a> ma <a href="https://mastodon.uno/tags/Debian" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Debian</span></a> non lo conosce e la loro chat è su Discord :(</p>
ITSEC News<p>Open Banking Shortcomings Threaten UK Global Leadership Position Research Finds - APIContext&nbsp;has released its UK Open Banking API Performance 2023-2024 Report, the annual ... <a href="https://www.itsecurityguru.org/2025/01/15/open-banking-shortcomings-threaten-uk-global-leadership-position-research-finds/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=open-banking-shortcomings-threaten-uk-global-leadership-position-research-finds" rel="nofollow noopener noreferrer" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="ellipsis">itsecurityguru.org/2025/01/15/</span><span class="invisible">open-banking-shortcomings-threaten-uk-global-leadership-position-research-finds/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=open-banking-shortcomings-threaten-uk-global-leadership-position-research-finds</span></a> <a href="https://schleuss.online/tags/editorsnews" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>editorsnews</span></a> <a href="https://schleuss.online/tags/openbanking" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>openbanking</span></a> <a href="https://schleuss.online/tags/apicontext" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>apicontext</span></a> <a href="https://schleuss.online/tags/technology" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>technology</span></a> <a href="https://schleuss.online/tags/features" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>features</span></a> <a href="https://schleuss.online/tags/news" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>news</span></a></p>
Europe Says<p><a href="https://www.europesays.com/1754810/" rel="nofollow noopener noreferrer" target="_blank"><span class="invisible">https://www.</span><span class="">europesays.com/1754810/</span><span class="invisible"></span></a> EU-Rechnungshof moniert versteckte Aufschläge bei Kreditkartenzahlungen <a href="https://pubeurope.com/tags/EURechnungshof" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>EURechnungshof</span></a> <a href="https://pubeurope.com/tags/Europa" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Europa</span></a> <a href="https://pubeurope.com/tags/europe" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>europe</span></a> <a href="https://pubeurope.com/tags/geb%C3%BChren" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>gebühren</span></a> <a href="https://pubeurope.com/tags/Geld" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Geld</span></a> <a href="https://pubeurope.com/tags/handel" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>handel</span></a> <a href="https://pubeurope.com/tags/Kreditkarten" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Kreditkarten</span></a> <a href="https://pubeurope.com/tags/OpenBanking" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>OpenBanking</span></a> <a href="https://pubeurope.com/tags/Pr%C3%BCfung" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Prüfung</span></a> <a href="https://pubeurope.com/tags/Rechnungshof" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Rechnungshof</span></a> <a href="https://pubeurope.com/tags/Recht" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Recht</span></a> <a href="https://pubeurope.com/tags/Regulierung" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Regulierung</span></a> <a href="https://pubeurope.com/tags/wettbewerb" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>wettbewerb</span></a> <a href="https://pubeurope.com/tags/Zahlungsverkehr" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Zahlungsverkehr</span></a></p>
:mastodon: Mike Amundsen<p>What to Know About 'Open Banking,' Coming Soon in the U.S.</p><p><a href="https://gizmodo.com/what-is-open-banking-financial-data-digital-1851517781" rel="nofollow noopener noreferrer" translate="no" target="_blank"><span class="invisible">https://</span><span class="ellipsis">gizmodo.com/what-is-open-banki</span><span class="invisible">ng-financial-data-digital-1851517781</span></a></p><p>"New rules would allow consumers to consent to their banks sharing financial transaction data with third parties" -- <a href="https://mastodon.social/tags/RocioFabbro" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>RocioFabbro</span></a> <a href="https://mastodon.social/tags/Quartz" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Quartz</span></a></p><p><a href="https://mastodon.social/tags/openBanking" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>openBanking</span></a> <a href="https://mastodon.social/tags/api360" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>api360</span></a> <a href="https://mastodon.social/tags/finTech" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>finTech</span></a></p>
:mastodon: Mike Amundsen<p>U.S. Regulators Are Promoting Open Banking Through Uniform Rules</p><p><a href="https://www.forbes.com/sites/tomgroenfeldt/2024/02/14/us-regulators-are-promoting-open-banking-through-uniform-rules/?sh=71a77505727c" rel="nofollow noopener noreferrer" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="ellipsis">forbes.com/sites/tomgroenfeldt</span><span class="invisible">/2024/02/14/us-regulators-are-promoting-open-banking-through-uniform-rules/?sh=71a77505727c</span></a></p><p>"On Oct. 19 the CFPB proposed its Personal Financial Data Rights rule that it said would “jumpstart competition by forbidding financial institutions from hoarding a person’s data and by requiring companies to share data at the person’s direction with other companies offering better products.”" -- <a href="https://mastodon.social/tags/TomGroenfeldt" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>TomGroenfeldt</span></a></p><p><a href="https://mastodon.social/tags/api360" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>api360</span></a> <a href="https://mastodon.social/tags/openBanking" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>openBanking</span></a></p>
Neil Madden<p>Just paid my quarterly VAT bill to HMRC via <a href="https://infosec.exchange/tags/openbanking" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>openbanking</span></a> and it was really smooth and easy. Well done to anyone involved in that process. Scan QR code, approve in Monzo app, done. <a href="https://infosec.exchange/tags/oauth" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>oauth</span></a></p>
Sean Boots<p>Related <span class="h-card" translate="no"><a href="https://mamot.fr/@pluralistic" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>pluralistic</span></a></span> piece from 2019 on <a href="https://mastodon.sboots.ca/tags/openbanking" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>openbanking</span></a> <a href="https://www.eff.org/deeplinks/2019/12/mint-late-stage-adversarial-interoperability-demonstrates-what-we-had-and-what-we" rel="nofollow noopener noreferrer" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="ellipsis">eff.org/deeplinks/2019/12/mint</span><span class="invisible">-late-stage-adversarial-interoperability-demonstrates-what-we-had-and-what-we</span></a></p>
Terence Eden<p>🆕 blog! “Converting MoneyDashboard's export file to a CSV - for Firefly III and others”</p><p>As I mentioned last week, MoneyDashboard is shutting down. They are good enough to provide a JSON export of all your previous transactions. It is full of entries like this: { "Account": "My Mastercard", "Date": "2020-02-24T00:00:00Z", "CurrentDes…</p><p>👀 Read more: <a href="https://shkspr.mobi/blog/2023/10/converting-moneydashboards-export-file-to-a-csv-for-firefly-iii-and-others/" rel="nofollow noopener noreferrer" translate="no" target="_blank"><span class="invisible">https://</span><span class="ellipsis">shkspr.mobi/blog/2023/10/conve</span><span class="invisible">rting-moneydashboards-export-file-to-a-csv-for-firefly-iii-and-others/</span></a><br>⸻<br><a href="https://mastodon.social/tags/money" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>money</span></a> <a href="https://mastodon.social/tags/openbanking" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>openbanking</span></a> <a href="https://mastodon.social/tags/python" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>python</span></a></p>
Terence Eden<p>🆕 blog! “Free Open Banking API using Nordigen / GoCardless”</p><p>A few weeks ago I was moaning about there being no OpenBanking API for personal use. Thankfully, I was wrong! As pointed out by Dave a company called Nordigen was set up to provide a free Open Banking service. It was quickly bought by GoCardless who said: We believe access to…</p><p>👀 Read more: <a href="https://shkspr.mobi/blog/2023/10/free-open-banking-api-using-nordigen-gocardless/" rel="nofollow noopener noreferrer" translate="no" target="_blank"><span class="invisible">https://</span><span class="ellipsis">shkspr.mobi/blog/2023/10/free-</span><span class="invisible">open-banking-api-using-nordigen-gocardless/</span></a><br>⸻<br><a href="https://mastodon.social/tags/api" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>api</span></a> <a href="https://mastodon.social/tags/data" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>data</span></a> <a href="https://mastodon.social/tags/finance" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>finance</span></a> <a href="https://mastodon.social/tags/money" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>money</span></a> <a href="https://mastodon.social/tags/openbanking" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>openbanking</span></a> <a href="https://mastodon.social/tags/programming" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>programming</span></a></p>
Dr John A Stevenson<p><span class="h-card" translate="no"><a href="https://mastodon.social/@Edent" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>Edent</span></a></span> </p><p>Smart Data Foundry, where <span class="h-card" translate="no"><a href="https://mastodon.scot/@mikerspencer" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>mikerspencer</span></a></span> works, are looking at this kind of question and are also developing sandboxes for working with <a href="https://fosstodon.org/tags/openbanking" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>openbanking</span></a> data. Maybe Mike can point you at someone/something.</p>
Terence Eden<p>🆕 blog! “Why is there no OpenBanking API for personal use?”</p><p>The recent news that MoneyDashboard is suddenly shutting down has exposed a gap in the way OpenBanking works. It is simply impossible for a user to get read-only access to their own data without using an aggregator. And there are very few aggregators around. Why is it impossible for me to get programma…</p><p>👀 Read more: <a href="https://shkspr.mobi/blog/2023/10/why-is-there-no-openbanking-api-for-personal-use/" rel="nofollow noopener noreferrer" translate="no" target="_blank"><span class="invisible">https://</span><span class="ellipsis">shkspr.mobi/blog/2023/10/why-i</span><span class="invisible">s-there-no-openbanking-api-for-personal-use/</span></a><br>⸻<br><a href="https://mastodon.social/tags/api" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>api</span></a> <a href="https://mastodon.social/tags/money" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>money</span></a> <a href="https://mastodon.social/tags/openbanking" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>openbanking</span></a></p>
Terence Eden<p>This is a shame.<br><a href="https://mastodon.social/tags/MoneyDashboard" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>MoneyDashboard</span></a> is closing.<br><a href="https://www.moneydashboard.com/faq" rel="nofollow noopener noreferrer" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="">moneydashboard.com/faq</span><span class="invisible"></span></a></p><p>They had an excellent <a href="https://mastodon.social/tags/OpenBanking" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>OpenBanking</span></a> API.<br><a href="https://shkspr.mobi/blog/2020/10/unofficial-moneydashboard-api/" rel="nofollow noopener noreferrer" translate="no" target="_blank"><span class="invisible">https://</span><span class="ellipsis">shkspr.mobi/blog/2020/10/unoff</span><span class="invisible">icial-moneydashboard-api/</span></a></p>
Capitano™✪🛡️<p>"<a href="https://mastodon.social/tags/Revolut" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Revolut</span></a> führt <a href="https://mastodon.social/tags/Kredit" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Kredit</span></a>|e für Privatkunden ein"</p><p> »Die Überprüfung der <a href="https://mastodon.social/tags/Bonit%C3%A4t" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Bonität</span></a> erfolgt dabei über den Abgleich der gebuchten letzten Gehaltszahlungen über den <a href="https://mastodon.social/tags/Openbanking" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Openbanking</span></a>-<a href="https://mastodon.social/tags/Datenabruf" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Datenabruf</span></a> vom Girokonto des Kunden.«</p><p>Zugriff via Onlinebanking auf Konten bei einer anderen Bank kommt niemals in Frage. Das ist auch der Grund, warum Anbieter wie <a href="https://mastodon.social/tags/Klarna" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Klarna</span></a> oder <a href="https://mastodon.social/tags/Sofort%C3%BCberweisung" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Sofortüberweisung</span></a> nicht akzeptabel sind. Kein Zugriff auf Kontoumsätze etc. für Dritte!</p><p><a href="https://stadt-bremerhaven.de/revolut-fuehrt-kredite-fuer-privatkunden-ein/" rel="nofollow noopener noreferrer" translate="no" target="_blank"><span class="invisible">https://</span><span class="ellipsis">stadt-bremerhaven.de/revolut-f</span><span class="invisible">uehrt-kredite-fuer-privatkunden-ein/</span></a></p>
Audun<p><span class="h-card"><a href="https://snabelen.no/@bjoernstaerk" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>bjoernstaerk</span></a></span> <span class="h-card"><a href="https://oslo.town/@hallvors" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>hallvors</span></a></span> nettopp. Tragisk at det oppkjøpet gikk igjennom. </p><p>Men skulle egentlig ønske at <a href="https://todon.nl/tags/openbanking" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>openbanking</span></a> var litt mer implementert i Norge. At jeg kan se kontoen min i en annen bank er ikke så mye hjelp. Om nettbank/app hadde vært separert fra hvor jeg hadde kontoer og lån hadde jeg sluppet å forholde meg til dårlige tekniske løsninger, og kunne valgt bank utifra vilkår og etikk, og app utifra brukervennlighet. </p><p>At bankID er eid av bankene, og stort sett er det eneste alternativet for sikker innlogging til offentlige instanser er også et problem. Jeg har åpenbart egentlig vært uten i halvannet år, men det glemte Sparebank1 å fortelle meg.</p>