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Just think about companies like Mint who scrape your banking and financial information using your creds. Not sure if Mint has changed this or not (or if the banks opened an API) but at one point it was the case.

In the enterprise space these solutions help a lot. Especially with the rise of enterprise cloud software solutions like Salesforce, Workday, and ServiceNow.

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They still do that for 99% of the banks, since most banks don't support OAuth/OIDC yet :(

Chase recently switched over to OIDC which was pretty neat, but for most banks, it is an absolute nightmare.

There are several initiatives (such as Open Banking) which are mandating certain levels of access.

When I read about that, I lost my mind. People who give their banking creds to someone who isn't their bank are insane.

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