Plaid would still have a place, as they could manage connecting applications to every bank in the US (so you don't have to use different client libraries for every single bank, because god knows they won't pick a common setup).

I'm really surprised they haven't gotten BofA to give them access to their consumer accounts API, considering Plaid can't deal with BofA's SMS 2FA. It's the largest bank in the US and Plaid can't handle it, which shows how fragile the whole scraping thing really is.

Banks are already doing that with openid. See partners of https://yes.com/ (European)

https://teller.io/ is trying to do something like this.