while this is helpful for software acting in users agency (excel sheets), it's used for risk assessment elsewhere - and I'm not sure about credentials: Firms like Klarna ask your credentials (XS2A) to extract insights, before approving even a SEPA payment. While you're informed what details are fetched, it can be substantial - all accounts, balances, transaction history. Their credit business couldn't be happier for PSD2.

https://docs.openbanking.klarna.com/acin/insight-api.html

see last screen in example flow

https://docs.openbanking.klarna.com/acin/quick-start-insight...