Unfortunately, Australia's APIs (for anything useful), also have a high barrier to entry for just anyone looking to build an app on top of them:
> To access consumer APIs, you'll need to be accredited by the ACCC and get the customer's consent.
Accreditation [0] has a lot of requirements - my paying child support was considered disqualifying. Parts of accreditation make sense, and should keep things more secure, other parts... Make less.
Mandatory AFCA membership, for example, only makes sense at first glance. The ombudsman can still field complaints without it. Consumer Rights still exist without it. However, the mandatory membership is being used by the ACCC as a replacement for yearly auditing.
> To access consumer APIs, you'll need to be accredited by the ACCC and get the customer's consent.
Accreditation [0] has a lot of requirements - my paying child support was considered disqualifying. Parts of accreditation make sense, and should keep things more secure, other parts... Make less.
Mandatory AFCA membership, for example, only makes sense at first glance. The ombudsman can still field complaints without it. Consumer Rights still exist without it. However, the mandatory membership is being used by the ACCC as a replacement for yearly auditing.
[0] https://www.accc.gov.au/focus-areas/consumer-data-right-cdr-...