How do money tracking apps access mobile banking?

Question

API

How do applications like zen money or conkeeper get access to data from mobile applications of banks like tinkov, sbera, alpha or raif? Do they use API (not found) or what are the options for accessing mobile banking? Usually there for synchronization you need to enter your data

Answer 1

They seem to be using something like puppeteer. It’s a bit of a gem, but it’s still possible to enter the personal account of banks, receive a token and parse answers

Answer 2

it seems to me that coinkeeper takes data from sms in their description and it is written, and you can also manually start transactions there
ps banks give access to api legal entities, for separate money and a separate agreement