As long as the bank has a good API, there’s nothing stopping anyone except money.
There is a cost to making a good app. And banks have no incentive to open source their current apps - if it’s any good it’s a competitive advantage.
For example - I’m currently using a bank because their app is awesomely good (compared to other banks). Why would they open source it - it means customers might go to other banks who do better on interest rates, or fees.
As long as the bank has a good API, there’s nothing stopping anyone except money.
There is a cost to making a good app. And banks have no incentive to open source their current apps - if it’s any good it’s a competitive advantage.
For example - I’m currently using a bank because their app is awesomely good (compared to other banks). Why would they open source it - it means customers might go to other banks who do better on interest rates, or fees.