for skepticism about committing to those same providers. New applications Account aggregation evolved with single sign-on (SSO) at most major banks such as Bank of America. With SSO (usually implemented via SAML) major financial institutions are now expanding their aggregation services into new areas. Rich Presentment (getting all the information about a bill that you owe) is a service that uses aggregation extensively and can be seen at AOL, using AOL Bill Pay. Aggregation also powers applications such as funds transfer, new account opening, card-based bill pay and so on. Independent financial advisers Independent financial advisers are another group on which account aggregators began focusing their attention. Having seen increasing competition from the other different financial advisers, positioning themselves as their client's primary advisor was not as easy as it once was. Open banking Starting in 2015 developments such as open banking made it easier for third parties to access bank transaction data and introduced standard API and security models. See also Online banking Open banking Payment Services Directive Password manager Password fatigue References Customer relationship management software Password managers