We don't have the whole story of their infrastructure and that a lot of Plaid's data sources are scraped and/or aggregated and repackaged in nonstandard ways. ACH and transaction tracking have been working fine for the last 20 years prior to a clever ML system.
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We don't have the whole story of their infrastructure and that a lot of Plaid's data sources are scraped and/or aggregated and repackaged in nonstandard ways. ACH and transaction tracking have been working fine for the last 20 years prior to a clever ML system.
Nacha ACH spec per BoA for example:
https://files.nc.gov/ncosc/documents/eCommerce/bank_of_ameri...
It's not exposed though, right? ACH is just for banks settling between themselves, is it not?
The entire point of OB and PSD2 is that any regulated company can get access to this data.