System and method for programmatically accessing financial data

A computing platform for accessing user data at a financial institution using an application proxy instance, comprising:

• at least one processor;
• a communication interface communicatively coupled to the at least one hardware processor;
• and
• a memory storing computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
• receive, from a computing device and via a normalized application programming interface (API), a request for user data associated with an account of a first user held by a first financial institution, and wherein the first financial institution provides a first-party user application that enables users of the first financial institution to access data stored by the financial institution via a first API specific to the first financial institution;
• generate a first application proxy instance of the first-party application by generating a digital image of an instance of the first-party application of the first financial institution, wherein the first application proxy instance of the first-party application is specific to the first user;
• negotiate registration of the first application proxy instance of the first-party application, wherein negotiating registration of the first application proxy instance of the first-party application includes providing credentials of the first user to the first financial institution;
• store the first application proxy instance of the first-party application in the memory, wherein the memory includes a plurality of application proxy instances associated with a plurality of users of the first financial institution;
• initiate, using the first application proxy instance of the first-party application and via the first API specific to the first financial institution, a communication session with the first financial institution to retrieve the requested user data;
• retrieve, via the communication session, the requested user data;
• format the retrieved user data to a standardized format of the normalized API;
• and
• transmit, to the computing device and in response to the request for user data, the retrieved user data in the standardized format.

One or more non-transitory computer-readable media storing instructions that, when executed, cause a computing platform for accessing user data using an application proxy instance to:

• receive, from a computing device and via a normalized application programming interface (API), a request for user data associated with an account of a first user held by a first financial institution, wherein the first financial institution provides a first-party user application that enables users of the first financial institution to access data stored by the first financial institution via a first API specific to the first financial institution;
• generate a first application proxy instance of the first-party application by generating a digital image of an instance of the first-party application of the first financial institution, wherein the first application proxy instance of the first-party application is specific to the first user;
• negotiate registration of the first application proxy instance of the first-party application, wherein negotiating registration of the first application proxy instance of the first-party application includes providing credentials of the first user to the first financial institution;
• store the first application proxy instance of the first-party application in the memory, wherein the memory includes a plurality of application proxy instances associated with a plurality of users of the first financial institution;
• initiate, using the first application proxy instance of the first-party application and via the first API specific to the first financial institution, a communication session with the first financial institution to retrieve the requested user data;
• retrieve, via the communication session, the requested user data;
• format the retrieved user data to a standardized format of the normalized API;
• and
• transmit, to the computing device and in response to the request for user data, the retrieved user data in the standardized format.