As a developer living in a country that has fully implemented "Open Banking", here's a quick setting of expectations for Canadian developers so they don't get too excited as I did when this was first being introduced.<p>Open Banking is not, in fact, open in almost any sense of the world. It is standardised and the standards are freely available ("open"), but other than that, you still need to have an official "blessing" to actually access a production API endpoint (even for your own account), you need a legal entity that has some highly specific and entirely meaningless certificates that are hard (and potentially expensive) to get and even after all of that, you'll still need to negotiate access with each bank individually.<p>What I imagined when I first heard of "Open Banking" was a public OAuth2 endpoint where I can grant my custom script access to just my bank balance and transaction history (possibly with a change webhook) and have it update my finance tracking database.<p>The "open" part is only relevant to the banks, since they don't have to pay royalties for the standard implementing the APIs. For the rest of us, it might as well be SS7.