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Scratching below the surface of "Scrapegators," aka aggregators, who scrape internet banking to feed other fintech applications. Consequently, customers use these third-party financial apps instead of credit union or bank sites.

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Roy Urrico

Roy W. Urrico specializes in articles about financial technology and services for Credit Union Times, as well as ghostwriting, copywriting, and case studies. Also: writer/editor of a semi-annual newsletter for Association for Financial Technology since 1997 and history projects funded by the U.S Interior Department, National Park Service and Warren County (N.Y.).

Fraud & Enforcement