It's amazing that we can grant revokable, read-only and audited access to our social accounts, but not our bank accounts. Even though the largest aggregators operate under some level of federal supervision (via FFIEC and the OCC), there is an obviously better way. TxPush (http://txpush.org) looks like an initiative in this direction. There will likely be an ongoing need for aggregators to maintain access to laggard financial institutions and possibly to buffer load on the bank servers as consumers use more and more financially connected apps.