金融科技合作：开放银行API集成

While those are good options, I'd also consider some of the newer challengers. Sometimes their APIs are more developer-friendly from the get-go, even if their market share isn't as large yet. Worth exploring.

For EU/UK, have you looked into TrueLayer or Plaid? They've got pretty robust APIs and good documentation. We've had a decent experience with TrueLayer for data aggregation specifically.

Collaborative development sounds good, but what's your take on their security protocols? That's always my biggest concern with any third-party integration, especially for payments.

Are you only looking at pure API providers, or would you consider a platform that offers a more integrated suite? Sometimes an all-in-one can save a lot of headaches down the line, even if it means less granular control.