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Where a bank doesn't offer compliant APIs, screen-scraping integrations are explicitly allowed. Not sure how common that is at this point.


Thousands and thousands of institutions, they scrape.


Not sure what you mean specifically, but generally the organisations doing screen-scraping¹ would prefer to use compliant APIs as they don't require anything like as much maintenance (bank adds a button to the login flow? Kaboom! Integration is broken...) or resources (e.g. running headless browsers).

Some markets are pretty much exclusively compliant - I don't think there are any Nordic banks that don't have fully PSD2 compliant APIs for example whereas, if I remember rightly, the Spanish banks were all over the place. I'm fairly out of date though, so things may have improved or exceptions for scraping expired.

¹ Note that I'm talking exclusively about banking integrations here, not AI nonsense.




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