Year since financial institution interfaces lasted for 3 years with each upgrade. My habit, up until now, was to upgrade every other I’ve been using Quicken for almost 30 years (Quicken for DOS starting in 1989, before Windows). If the insurance company sees that you bought alcohol or medications, they may have reasons to hike your rates.) So with less users demanding Direct Access protocol, less banks are now offering this service. People are apparently trying online personal finance aggregation services like Mint or Personal Capital which do not use Direct Access (they use web scraping), not realizing that these services mine your data and sell this information to advertisers, insurance companies, etc.- which can make your rates go up, etc. but Web Connect requires logging in at each bank or brokerage site and then navigating through the menus to manually download the data files one by one, which can get very time consuming. Banks have to pay for Direct Access and are trying to save money by abandoning this protocol in favor of Web Connect.
My only concern is that many banks seem to abandoning Direct Connect access which Quicken, SEE Finance and other personal finance apps use to directly download account data.
I switched years ago and have been very happy. For those tired of Quicken's unreliability and bugs, I encourage you to try SEE Finance.
