interviews that explain banking
9 months ago
4
Consumers have clearly benefited from giving third parties access to their account information, making it easier to switch account relationships. Even those who don't switch benefit from new services that guard against overdrafts and other bank-imposed charges. This trend has led to notable declines in overdraft revenues as the impacts of open banking gain popularity. Moreover, since checking accounts reflect a person's financial health, real-time transaction and balance information can aid lenders in responsibly extending credit to those who can afford it while avoiding burdening those nearing financial distress
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