I'm an European and have never needed to use nor encountered those services.
If I need to link my accounts and these services are the only choice then I change my banking passwords immediately after.
(I worked for a Plaid competitor. The long-term goal for all similar companies is of course to use OAuth and APIs, because it breaks less often; but since the banks don't offer that, scraping it is!)
I think Bankin' used to before PSD2 and to get a bit more information from some banks but then again Bankin' is a financial agreggator whose explicit purpose is crawling your banking data so it's not too surprising to see them asking for your credentials.
Some markets are pretty much exclusively compliant - I don't think there are any Nordic banks that don't have fully PSD2 compliant APIs for example whereas, if I remember rightly, the Spanish banks were all over the place. I'm fairly out of date though, so things may have improved or exceptions for scraping expired.
¹ Note that I'm talking exclusively about banking integrations here, not AI nonsense.
