When accounting software connects to your bank, the safest arrangement is one where it can look but not touch. Read-only access grants exactly that: the software receives a feed of your transactions to categorise and reconcile, but it has no permission to initiate a payment or move a cent.
This is usually delivered through open banking — a regulated framework where a licensed provider brokers the connection. You authorise the data sharing, the provider supplies the transaction feed, and payment capability is never part of what is granted.
The result is automation without exposure. Your books stay up to date because transactions flow in on their own, while the connection itself cannot be used to drain the account. KAZI's bank-feed reconciliation is designed around this read-only principle.