Are they basically logging in as a user normally would, and scraping or downloading the relevant data? Or do banks provide another means of accessing that data?
Back during private beta I think someone told me that mint is using yodlee for account aggregation (yodlee's moneycenter has awesome functionality, crap UI). How does yodlee do it? No idea. Oh, this is interesting: http://www.bizorigin.com/2007/techcrunch40-top-company-award...
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