Money is not the only thing banks store in their premises. The other valuables are counted in bytes — or even petabytes, i.e. client data. Everything about customers, from their personal information to incomes, spending, shopping habits, their investments, insurances and so on, is kept in bank databases. And banks are not willing to share these resources with anyone else other than their clients themselves, even if these were the clients who would want their information to be used by a third party. In the EU member states the PSD2 directive will set a new paradigm for banks with open banking API, but not before 2018.
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