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Never thought I'll see the day when banks will offer to help fintechs to connect with other fintechs!

Sorry, nice try, but TALC doesn't work like that. 

By definition, Innovator and Early Adopter together constitute 15% of TAM. Assuming that the entire population of USA (330M) is TAM, Innovators + Early Adopters is 330M*0.15 = 50M. With 80M users, Open Finance in USA went past Early Adopters long ago.

Therefore, the success of Screen Scraping does not reflect Early Adopter behavior.

LOL the same customers who hand over their online banking usernames and passwords to third parties worry about security risks posed by screen scraping?

Seriously?? 

While its practitioners emphasize that EU Open Banking uses API, PSD2 does not forbid Screen Scraping.

AFAIK, Tink, the EU Open Banking company acquired by Visa, uses Screen Scraping. (Source: Comments here).

As I highlighted in Open Banking: EU v. USA, there are 5 million users of EU Open Banking in a population of nearly 450 million people, and 80 million users of US Open Finance in a population of 330 million people. 

Safe to say that Open Finance in USA is a resounding success compared to Open Banking in EU. Further proof that free market forces trump regulation.

India, too, to add to UK, Mexico, ...

Indeed, this resonates strongly with the A2A RTP cybercrime I covered in Fraud v Scam: Who Is Liable For Cybercrime.

I clicked thru' your link and was excited to note that the source of your figure of "$20T by 2026" is based out of my city (Pune, India).

Much as that tempts me to trust this source, this figure is simply too high compared to the forecast of "$2.5T by 2025" made by McKinsey Global Payments 2021 Report. 

$20T is too high for Revenue and too low for Gross Payments Value. What's it, really?

Economic Times took the period from March 1992 to March 2012 and declared that Fixed Deposit outperforms Equity in the long term. Now, had it postponed the start date by just one month, to April 1992, its conclusion would have been exactly the opposite viz. Equity outperforms Fixed Deposit in the long term.

By its very nature, every dataset has a start date and a corresponding conclusion.

How can a RIA avoid cherrypicking? How can SEC prove that there was cherrypicking?? 

"40% of UK consumers would pay a 5-10% premium for a banking product if it was ESG." 

I wonder how many of these 40% of UK consumers know that the G in ESG pertains to the fiduciary duty of managers to shareholders, who are known to like maximization of shareholder value, which comes out of higher fees, lower deposit rates, hidden charges, and other things that consumers normally hate about banks.

I know the jury was out on this topic in November 2021 but I thought Amazon blinked and Visa won when Amazon dropped its threat to stop accepting Visa cards in February 2022?