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It’s worse than that. I assume Plaid doesn’t scrape bank sites and rely on 3rd parties to bypass the EULAs on bank sites.

Hi! I work at Plaid. This is false. We do not do that.

Ever? That was always the rumor on how aggregators could fix scraping within a day of major changes.

If the supposed third-party scrapers can do it within a day, why wouldn't Plaid/Mint/Yodlee be able to do the same?

can you please elaborate? this is quite the accusation

It is something I heard working in fintech, a lot around security, that the aggregators rely on 3rd party scrapers. Not plaid specific.