> What about my bank? They have >100M users, and with an app/service portal, they'll be required to be "interoperable". I don't want my bank or my bank info to be interoperable.
Here in the UK we have something like that, called Open Banking[1]. IMHO the most noticeable benefit to consumers is that many of apps from the UKs largest banking providers now allow you to view your accounts from all your banks through their app (traditionally you could only view accounts you held with that bank). I believe that some budgeting / spending-tracking apps also take advantage of it to amalgamate information from all of your accounts.