We&#x27;re using Plaid to connect to accounts so we&#x27;re not storing any credentials ourselves. For security when we pull the info to give to people in the digest each morning we&#x27;re not persisting it anywhere.<p>Interesting point about the CSV (giving us information without bank access); a problem with that though is it defeats the &#x27;push&#x27; based idea of giving people information without them having to do any work. Atleast on the consumer side we&#x27;ve found that many people don&#x27;t keep track of their money because it&#x27;s too much effort to log in and manually get that information.<p>Thanks for the feedback!