Open Banking is the term used for the technology and regulation that allows companies to securely access your bank account information. There are two types of Open Banking companies:
those that get read-only access to your bank account information, and
those that are allowed to instruct payments from your bank account.
Most Open Banking companies, including Earnr, fall into the first category and let you use your transaction data in new ways.
If you want to read a bit more about Open Banking, we wrote a great blog about it here