In EU something a little bit like this will become mandatory for banks. To my understanding one part of Payment Service Directive 2 (PSD2) is that banks will be required to allow third party access to bank account statements (on customers permission, of course).
For example, they would make sure to go to the gas stations that you frequent. Or to the electronics store that you made a purchase at recently.
I worked at Citibank. They are barely competent. Don't ask for more access, they will probably screw it up.