Nordigen: API aggregator to European banks
nordigen.com
Nordigen: API aggregator to European banks
1–10 of 37 posts
Re: Nordigen: API aggregator to European banks
#2Open banking as a service?
Re: Nordigen: API aggregator to European banks
#3I'd really like to have a read-only API that is accessible for personal projects to be able to retrieve my own transaction history. Sadly with PSD2 that is (afaik) impossible, or at least pretty close to impossible.
Things like this (nordigen) might "solve" the problem by replacing it with a bigger one: now nordigen (or someone else) has access to all this transaction data and is going to leak it somewhere.
I get why banks are so conservative and bureaucratic, and all this PSD2 security stuff is required. I want my financial data to be secured. But I also want to be able to access it with my own software. Guess I cannot have both, in which case I prefer the first.
I dont think nordigen is a solution (for me) and quite frankly, I find the concept somewhat scary.
Re: Nordigen: API aggregator to European banks
#4I'd really like to have a read-only API that is accessible for personal projects to be able to retrieve my own transaction history. Sadly with PSD2 that is (afaik) impossible, or at least pretty close to impossible. Things like this (nordigen) might "solve" the problem by replacing it with a bigger one: now nordigen (or someone else) has access to all this transaction data and is going to leak it somewhere. I get why…
I think some banks do offer restricted keys that only allow you to access your own accounts - I think Starling in the UK does this; Monzo used to too, but I'm not sure if that's the Open Banking API, or just another API.
Re: Nordigen: API aggregator to European banks
#5I'd really like to have a read-only API that is accessible for personal projects to be able to retrieve my own transaction history. Sadly with PSD2 that is (afaik) impossible, or at least pretty close to impossible. Things like this (nordigen) might "solve" the problem by replacing it with a bigger one: now nordigen (or someone else) has access to all this transaction data and is going to leak it somewhere. I get why…
For what PSD2 done is it made that Nordigen service possible, also I can see my history from one bank in another. Results (possibilities) greatly vary from bank to bank, but in general at least I can download my data from one place.
I get your complain, but It's a step forward at least.
Re: Nordigen: API aggregator to European banks
#6I'd really like to have a read-only API that is accessible for personal projects to be able to retrieve my own transaction history. Sadly with PSD2 that is (afaik) impossible, or at least pretty close to impossible. Things like this (nordigen) might "solve" the problem by replacing it with a bigger one: now nordigen (or someone else) has access to all this transaction data and is going to leak it somewhere. I get why…
Would you be interested in something similar for open finance?
Re: Nordigen: API aggregator to European banks
#7I'd really like to have a read-only API that is accessible for personal projects to be able to retrieve my own transaction history. Sadly with PSD2 that is (afaik) impossible, or at least pretty close to impossible. Things like this (nordigen) might "solve" the problem by replacing it with a bigger one: now nordigen (or someone else) has access to all this transaction data and is going to leak it somewhere. I get why…
Would you be interested in something similar for open finance?
What does "open finance" mean in this context?
I have the same desire as OP to access my own data. I want to build a tool to track my assets. Maybe it's worth building this as open source. Would that be considered "open finance"?
Re: Nordigen: API aggregator to European banks
#8Mildly interesting: I wanted to see how their newsletter signup flow worked, but on inputting my email and clicking "sign up" I get a jquery $.ajax error. I wonder if they monitor their signups at all (and how long it's been broken).
Re: Nordigen: API aggregator to European banks
#9List of supported banks: https://airtable.com/shrX4uBtNLnsPxSih/tblyRj2FTQoXq9Qmu
A very impressive list! Having worked in the sector I can only begin to imagine the monumentality of this integration task.
I however see that some banks are still missing. How do you deal with those? After all, PSD2 is supposed to give access to all EU banks. Have you encountered any resistance where e.g. banks refuse to open the APIs - the APIs are broken, non-standard, non-existent, or such?
Re: Nordigen: API aggregator to European banks
#10Earlier quoted context omitted.
Would you be interested in something similar for open finance?
What does "open finance" mean in this context? I have the same desire as OP to access my own data. I want to build a tool to track my assets. Maybe it's worth building this as open source. Would that be considered "open finance"?
The access to my bank’s PSD2 API is only possible for authorized companies. I assume other banks require the same. They do not want to deal with individuals.