In my experience the most important aspect is real bank-connectivity coverage — how many banks the platform actually reaches in your target markets, how fresh that coverage data is, and how quickly connections get fixed when a bank changes its interface. A slick sandbox and polished docs matter little if the API can't reliably pull accounts from the banks your users actually hold. I maintain open-banking.io, an independent site about bank-data APIs, and the advice I give most often is to ask vendors for per-bank connection uptime instead of headline bank counts. If you're building in the EU, it's also worth checking whether a platform holds its own PSD2/eIDAS license or aggregates other providers underneath — that affects reliability and who's accountable when a connection breaks.
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In my experience the most important aspect is real bank-connectivity coverage — how many banks the platform actually reaches in your target markets, how fresh that coverage data is, and how quickly connections get fixed when a bank changes its interface. A slick sandbox and polished docs matter little if the API can't reliably pull accounts from the banks your users actually hold. I maintain open-banking.io, an independent site about bank-data APIs, and the advice I give most often is to ask vendors for per-bank connection uptime instead of headline bank counts. If you're building in the EU, it's also worth checking whether a platform holds its own PSD2/eIDAS license or aggregates other providers underneath — that affects reliability and who's accountable when a connection breaks.