I take an "aggregator approach" and I have used multiple APIs like Plaid, Finicity, SaltEdge and TrueLayer at my startup. In my opinion: all are far from perfect, though Plaid is moving in the right direction. Finicity is currently my favourite, though they're not "modern" by Silicon Valley standards.

My gripes with Plaid:

- Support really sucks. They have boilerplate answers to common problems, and I have several issues in their backlog (missing transactions, duplicate transactions, failing API endpoints) that have been broken for months. Compared to Finicity, which usually resolves support issues within a week.

- System reliability issues. Completely broken with Capital One (despite continuing to offer it as an "option"), doesn't work with most banks that have 2FA enabled, and still has an adversarial relationship with most banks (though that is changing with the new OAuth connections).

However, Plaid is still by far the biggest, and I trust that these things will improve with time. If I was going to get married to a single provider and I wanted a "future-proof" solution I would bet my money on Plaid.

Global coverage in Europe is a different story. I would go with Nordigen.