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Nordigen: API aggregator to European banks

61 点作者 MysteriousJane将近 4 年前

10 条评论

dang将近 4 年前
Please stop using multiple accounts to promote your stuff on HN. It&#x27;s against the rules and we ban accounts and sites that do it. Also, HN users notice obvious cases like <a href="https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=27843204" rel="nofollow">https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=27843204</a> and will flame you if you keep it up.<p>The rules are at <a href="https:&#x2F;&#x2F;news.ycombinator.com&#x2F;newsguidelines.html" rel="nofollow">https:&#x2F;&#x2F;news.ycombinator.com&#x2F;newsguidelines.html</a> and <a href="https:&#x2F;&#x2F;news.ycombinator.com&#x2F;newsfaq.html" rel="nofollow">https:&#x2F;&#x2F;news.ycombinator.com&#x2F;newsfaq.html</a>.<p>--<p>For readers: of many past submissions promoting this startup, these look to be the major threads:<p><i>Show HN: Connect your bank account to Google Sheets</i> - <a href="https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=27769266" rel="nofollow">https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=27769266</a> - July 2021 (76 comments)<p><i>Nordigen: Free banking data and premium insights</i> - <a href="https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=26375962" rel="nofollow">https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=26375962</a> - March 2021 (39 comments)
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maverwa将近 4 年前
I&#x27;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 &quot;solve&quot; 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.<p>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.<p>I dont think nordigen is a solution (for me) and quite frankly, I find the concept somewhat scary.
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throwawayswede将近 4 年前
There was a Show HN a few weeks ago [1] about a script that used Nordigen.<p>This is from Nordigen&#x27;s information handling section in TOS, just so people understand what&#x27;s going to happen with their financial data (I also recommend reading full TOS).<p>&gt; 2.3. As the Services also allow User to upload Information and&#x2F;or obtain Account Information and personal data therein, User further acknowledges and agrees that by uploading or entering any Information for the Services and by using the Services, User grants Nordigen permission to make anonymized data based on personal and non-personal data collected from User or through User&#x27;s use of the Services, and combine such anonymized data with that of other Users in order to make anonymized aggregate data. Nordigen may use the anonymized data and anonymized aggregate data for various business purposes and legitimate interests of Nordigen, including but not limited to improving the Services, developing and improving other Nordigen products and services, and distributing or licensing such data to third parties with whom Nordigen has a business relationship.<p>1] <a href="https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=27769266" rel="nofollow">https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=27769266</a>
vesinisa将近 4 年前
List of supported banks: <a href="https:&#x2F;&#x2F;airtable.com&#x2F;shrX4uBtNLnsPxSih&#x2F;tblyRj2FTQoXq9Qmu" rel="nofollow">https:&#x2F;&#x2F;airtable.com&#x2F;shrX4uBtNLnsPxSih&#x2F;tblyRj2FTQoXq9Qmu</a><p>A very impressive list! Having worked in the sector I can only begin to imagine the monumentality of this integration task.<p>I however see that some banks are still missing. How do you deal with those? After all, PSD2 is supposed to give access to <i>all</i> 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?
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andreineculau将近 4 年前
Given that the API <i>is</i> the product, their API style leaves many things to desire.<p>Concrete example:<p>Account details <a href="https:&#x2F;&#x2F;nordigen.com&#x2F;en&#x2F;docs&#x2F;account-information&#x2F;overview&#x2F;parameters-and-responses&#x2F;#&#x2F;accounts&#x2F;retrieve%20account%20details" rel="nofollow">https:&#x2F;&#x2F;nordigen.com&#x2F;en&#x2F;docs&#x2F;account-information&#x2F;overview&#x2F;pa...</a> : alright, I send in a bank account ID, and get back some &quot;application&#x2F;json&quot;. What exactly I get back? You have to check another page with zero context <a href="https:&#x2F;&#x2F;nordigen.com&#x2F;en&#x2F;docs&#x2F;account-information&#x2F;output&#x2F;accounts&#x2F;" rel="nofollow">https:&#x2F;&#x2F;nordigen.com&#x2F;en&#x2F;docs&#x2F;account-information&#x2F;output&#x2F;acco...</a><p>As a techie, giving up my info <a href="https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=28035602" rel="nofollow">https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=28035602</a> to them is a big no-no given the above knee-jerk reaction.
flas9sd将近 4 年前
I&#x27;m weirded out by PSD2. I see the utility, but there are only so much interested parties able to wield this tool. Its expressed goals are to &quot;improve the security of payment transactions, enhance consumer protection, foster innovation and increase competition on the market&quot;.<p>But looking at open banking APIs all I see are &quot;insight&quot; features for risk assessment and data mining. If I want to make a payment, disclosing that the amount is covered via a boolean would suffice, instead all accounts, transaction history and balances are transferred with some payment initiators. Ready to be scored by a model. It reminds me of private messengers asking for permission to upload all contacts: surely this is not necessary most of the time, but you want to get on with your day and click yourself through TOS dialogues. I need bank account level privacy settings to not accidentally disclose the past 400 days of my financial history.
gnrlst将近 4 年前
Mildly interesting: I wanted to see how their newsletter signup flow worked, but on inputting my email and clicking &quot;sign up&quot; I get a jquery $.ajax error. I wonder if they monitor their signups at all (and how long it&#x27;s been broken).
rakshazi将近 4 年前
Hi there, still waiting for news from one of your guys (vaivars).<p>I hope that comment will reach him and finally I will get a response about matrix social&#x2F;oidc auth...
tomaszs将近 4 年前
The first fintech solution I love
HatchedLake721将近 4 年前
Open banking as a service?