I have a question for bd139 or Saskia, anyone else with expertise also.
What is your opinion on Open Banking APIs?
I'm asking as I've been asked by my Credit Union to use one to provide them with bank statements for a load application.
I am highly sceptical and reluctant, as is my browser guard...
Ah lots of experience with this one. For the end user it’s fine, well designed and secure. For us developers there is a hell of a lot of pain involved to the point there is deep vetting, external certification of code, a million legal hoops to go through etc. It’s perfectly secure.
If it’s Clydesdale, Nationwide, L&G, Monzo then run a mile as they’re a shit show.
Anyway the thing you need to consider is what is consuming it, whether it’s in EU safe harbour, who published it and what their terms are precisely.