I thought that’s what Open Banking was supposed to solve: https://en.wikipedia.org/wiki/Open_banking

And indeed it does, in some markets.

I'll speak to Australia... here we have the legislated Consumer Data Right [1]. This currently puts obligations on banks and energy retailers to make consumer data accessible via an API, via Authorised Data Holders (ADH - the banks and retailers) and Authorised Data Recipients (ADR). However! The major criticism I have of this scheme is that as an individual power user I do not have direct access to these APIs myself. I believe there was originally an intent to support this under the scheme, however due to somewhat legitimate security and access concerns, but also I expect pushback from anyone falling into the ADH category, this is not possible. Setting up an ADR has a not insignificant compliance burden.

However I have recently come across Redbark [2] which is a simple service that has taken on the mantle, and provides a simple sync mechanism for any Consumers that believe they have a Right to their Data. Not affiliated, just a happy customer and I hope that they can make the economics work over the long term.

[1] https://www.cdr.gov.au/

[2] https://redbark.co/

Yup, it would be really awesome if this concept was deployed in the US. Unfortunately, open standards don't seem to gain as much traction here outside of the tech industry.