The attitude that different vendors can create independently run services is still alive, now with better security.

But not on major mobile devices, at the moment.

In the banking world, it appears to be getting slightly more open. There are more independent feeds and open standards than there used to be. This is a mixed benefit as there are also more "middleman" sites that want to read your banking data to help you visualise it better, and some of them might not be doing it just for the benefit of the account holder.