I know it’s an unobtainable dream, but a banking app for every bank on any platform.
https://en.m.wikipedia.org/wiki/Open_banking
All banks in EU have APIs for this purpose (also see PSD2).
This seems to be more of bank-to-bank protocol than a bank-to-customer protocol.
I was developing these apis for one of the biggest banks in central/eastern Europe.
You’re right that they are not intended for bank to customer access directly. What they allow though is for third parties (other banks, mobile apps, services) to access these apis. It requires a licence though.
Point is that a lot of banks in Europe allow to add other bank‘s accounts to their app. Also aggregator apps exist.
Banks could simply come together and develop an open banking standard for customers. Would probably save them a lot of money too, since the development of their stupid apps presumably costs them a lot.
Maybe thats not too dreaming in some countries… Brazil for example (use the translate that u prefer from pt-BR)
