“We believe anyone handling the customers’ data should share the risk of losses resulting from their actions” – said Becky Heironimus, vice president of enterprise digital products and data connections at Capital One in the recent American Banker article here. Connectivity solutions will be increasingly challenged to implement the most advanced security.  Enterprise scale banks can produce enterprise scale APIs but community financial institutions must rely on different methods, frequently to several vendors at a time. Innovation is occurring to drive down the costs and burdens of security and compliance.