Open-banking aggregators (Plaid, TrueLayer, Tink, Yapily) and unified-API providers that abstract over downstream accounting, payroll-HRIS, and FX systems behind a single integration (Apideck, Codat, Rutter, Merge, Finch, Pinwheel, Argyle). Mirrors the Financial Data Connectivity quadrant on the landscape view. Structurally under-disclosed because these providers sit in front of customer data, not on subprocessor lists.