&gt; When are US banks going to come around to open banking? They need to come around to the model where they provide the infrastructure and let third parties manage the customer interaction.<p>When they have an incentive to. No one is going to change their business unless financially incentivized to do so.<p>To your other point, you can use Bancorp bank if you want to build a tech platform on top of a real bank. That&#x27;s how BankSimple (now just Simple.com) built their platform.