Building a personal finance app used to mean begging users to paste a CSV export — or worse, to share their banking password with a screen-scraping service. Open Banking was supposed to fix that, and under PSD2 it largely has. Every regulated EU/UK bank now exposes a standard API that returns your balances and transactions as clean JSON, with your explicit consent. So why isn't every indie developer shipping a net-worth dashboard on top of it? Because the "official" path to those APIs requ...