utilization of standards

[Maciej Gawinecki]

Hi,

When I discovered your program I start wondering:

if there is open and free standard OFX defining syntax and semantics
   of account statements, then why so many banks use their own approaches
   to form them: CSV, TXT etc ? Is it the matter of difficulty and money,
   while adapting an application (e.g. e-bank site) to OFX standard ?

Please, let me know, if you have any hipothesis or experience,

Regards,

Maciej