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Where Banking APIs Fall Short
Why it's been so painful to integrate with banks as a software engineer.
Clearly programmatically communicating with banks is a huge unsolved problem for developers, and I hope what I’ve learned can be helpful for others that are interested in this space. Most people are used to HTTP APIs, and public facing URLs that return predictable JSON responses. Consider that the Federal Reserve’s FedNow and Brazil’s PIX both move through ISO20022 messaging standards that banks provide SFTP hookups for.
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