Mint has turned into an endless login-fixing to do list.
Patiently waiting for @monarch_money and for banks to make more of their data consistently available to apps that consumers authorize.pic.twitter.com/4YrLkCTXwt
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Unfortunately, Plaid is often at the mercy of the banks. When the banks go down, introduce a new auth mechanism, change their websites (as Plaid scrapes if banks don’t make their data available via other means), Plaid stops working and often requires reauthentication.
fixing this is quietly seen as possibly the biggest opportunity in fintech infra - every big name (even ones that make no sense) are incubating strategies to build a universal read/write auth protocol
Check out @FDXOrg. We’re standardizing Tokenized Auth, Consent Receipts, #OpenBanking Use Cases with defined Data Elements and APIs in a certified interoperability framework. This is replacing data aggregation.
Mint became unusable as soon as I turned on 2fa for any of my accounts that allow it
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