(I intended this for aqbanking-devel, but mistyped that...) Thanks, David. In effect, currently OFX with DirectConnect is still in use and will be for some time to come, although banks might stop offering DirectConnect services one by one. But for the time being there would still quite some demand for this implementation.
Christian Am Mittwoch, 5. September 2007 05:31 schrieb David Reiser: > On 4 Sep 2007, at 5:55:39 AM, Christian Stimming wrote: > > Hi David, > > > > Martin just outlined his future plans for aqbanking3 migration > > work, which sound great :-) > > > > However, his priority is clearly on the HBCI backend and not so > > much on the OFX backend. In particular, he says "I'll only work on > > the ofx backend if OFX has a future - haven't there been some news > > that U.S. banks will stop using OFX in favor of some other > > proprietary protocol?" > > I have seen absolutely no indication that banks are turning to a > proprietary protocol. I did a bunch of google searches, and all the > noticeable noise is about open standards. Maybe in a decade IFX might > convert from mostly ATM applications to the 'universal' bank protocol > source, but that's several years away. > > The possibility of 'nothing' is a much bigger worry. OFX will be > around for a long time. Whether DirectConnect will be is the > question. Intuit probably controls 90+% of DC traffic. Counting on > Intuit to be either consistent or use a truly open standard (even one > that they authored) is a risky assumption. I think that OFX DC is > practically a proprietary standard of sorts already -- too many of > the details are not well defined in the standard, and Intuit's > implementation turns out to be the real standard, for which there is > only incomplete documentation. > > What I see happening currently is that banks are going back to fees > for direct download access (Wachovia is now charging $5/month for DC > access) after having made it free for a while. Other banks are > finding that Intuit's fees for OFXDC are too high to justify at all, > so they offer file downloads of some kind. Many banks are moving > toward bill paying from their websites (that feature seems to be > bringing more customers than data downloads of any kind), and while > you're there you can click a button to download your data (still OFX, > but not DC). > > Intuit, themselves, have splintered their services by overpricing > DirectConnect vs. WebConnect. > > As it happens, I'll have to get a new bank if aqbanking doesn't keep > at least its current OFXDC capabilities. My bank only has DC > connections, with no file download capability. > > > My question to you is: How much of those rumors are actually > > confirmed by now? Or, in other words, can you give an estimate of > > how many people will be using OFX in aqbanking/gnucash not only > > now, but probably over the next 1-3 years? > > In the 1-3 year time frame, I expect OFXDC use in gnucash via > aqbanking to increase, despite any bank defections. The Windows user > population will overcome the loss of individual banks. > > The biggest risk in hoping for the status quo to last is that the > banks have been ordered by some oversight board to beef up their > security for online access. All of my web site banking and credit > card sites have implemented the not-really-multifactor-authentication > to appease the board. But none of my OFXDC server connections use it > yet. What happens when they start changing? OFX 2.1.1 and 1.0.3 now > offer multifactor tags, but no guidance in how the authentication > dialog takes place. > > > Thanks, > > > > Christian > > > > Quoting Martin Preuss <[EMAIL PROTECTED]>: > >> Gaaanz am Ende werden auch wieder die anderen Backends (OFX > >> DirectConnect etc) > >> angepasst, allerdings nur, falls das ueberhaupt noch Zukunft hat > >> (es gab ja > >> vor einem halben Jahr oder so Nachrichten, dass die Banken in den > >> USA von OFX > >> DC abruecken und stattdessen entweder gar nichts oder irgendwas > >> proprietaeres > >> verwenden). > > Sorry for the lack of hard data. I hope my opinions provide some > useful guidance. > > Dave > -- > David Reiser > [EMAIL PROTECTED] ------------------------------------------------------------------------- This SF.net email is sponsored by: Splunk Inc. Still grepping through log files to find problems? Stop. Now Search log events and configuration files using AJAX and a browser. Download your FREE copy of Splunk now >> http://get.splunk.com/ _______________________________________________ Aqbanking-devel mailing list [email protected] https://lists.sourceforge.net/lists/listinfo/aqbanking-devel
