I understand why aggregators like Flinks and Plaid exist, and I agree that full coverage is not trivial. That said, there are already institutions that support form based option using institution number, transit number, and account number, either instead of or alongside aggregators.
A few examples are:
- Simplii
- Tangerine
- Oaken
- Laurentian Bank
- Alterna Bank
- Meridian
- Peoples Trust
- Manulife
- WealthOne
- Wealthsimple
- DUCA
Some of these are larger than Neo and some are smaller, which at least suggests it is feasible in parts of the ecosystem. I am not suggesting replacing Flinks outright, but rather exploring whether a parallel approach could make sense for users who strongly prefer it. If helpful, I would be happy to continue the discussion in a separate thread and contribute constructively.