The Modern Connectivity report explains how financial account aggregation is evolving from legacy screen scraping to secure, tokenized APIs. Screen scraping is unreliable and risky since it requires sharing credentials, while modern connectivity enables credential-free, OAuth 2.0 connections that are consistently maintained and support bidirectional data flow. Benefits include faster onboarding through instant account verification averaging 3 seconds, improved personalization with enriched data, and a complete financial view for smarter decisions. This approach positions institutions to lead in open banking, enhance trust, and unlock new revenue opportunities.

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