Currently you rely on Yodlee which is unreliable and relatively insecure.

There are a number of small business packages Xero, MYOB, QuickBooks amongst others who have built more secure and reliable methods of integration with banks. I'd imagine this is the case in many other regions as well.

In Australia there is a new payments platform and open banking initiatives that will make this even easier.

Both SAP and Oracle will move to build out these centralised bank feed services across all tiers of their offerings in the next two years. It will be important for Microsoft to either build out their own centralised service and API with the banks or partner to achieve this.

Benefits include:

-More secure integration with banking data
-More reliable and timely bank information
-Eventual integration with bank payment APIs as well