Oooh, this is relevant to my interests! Some banks do have APIs -- U.S. Bank, Wells Fargo, Bank of America, and Chase are a couple that spring to mind off the top of my head -- but in general they are not really aimed at developers building for specific consumer use cases, which kind of makes sense, since most people don't want to build, say, a budgeting app that only works with their own bank. A more typical customer of these APIs is fintech platform companies like Plaid that will work as a middle layer and make this data accessible via a more standardized API. (Full disclosure: I work at Plaid. We also have our own open API standard, Plaid Exchange, but obviously not every bank is using it.)<p>Anyway, to answer the question, since it would be something just for my own bank it would be a service that I would use for myself, rather than something that would be a business. So, this is small, but a few months ago I was trying to find a good way to split the rent with my boyfriend, and even though it seems completely bonkers, in the year of our lord 2021 I still cannot find a service that will allow me to make free, recurring, peer-to-peer electronic payments. (My bank offers free peer-to-peer electronic payments with Zelle but doesn't provide recurring functionality; and they offer free recurring bill payments to individuals but only via check, not electronically.) So I might build that.