App rejected - requirement that any app offering financial services must be submitted by the financial institution performing such services.

You app is offering a loan so it falls under 3.2.1. It is NOT for financial trading, investing or money management so it doesn't qualify under (viii). I don't think many customers would trust a random iPhone app with their bank account information anyway, especially if the app didn't come from their bank.

We are providing our users with helpful alerts to monitor their bank account easily while most apps that banks offer have very basic functionality which is diffucult to set up, thats A. Now B - our user base already exists from financial blogs we have and they trust us to build a good solution for them. Now C - your answer was not helpful and not to the point at all... I asked for help not business advice on how to build trust with our users. I've been working on this for a very long time in hope to build a good product for my existing userbase and now the app is getting rejected even though the guidelines state it should pass review. I would love to get an advice if you have any otherwise...

>it mentions that lenders are allow if

I see no mention of 'lenders' in 3.2.1 viii. Remember, they get to define their guidelines, not us.

Did you appeal? What did you say in that appeal? More than one reject/appeal cycle?

About that API, since you have to pay for it, does that include promise/help to get in the store? Seems like plaid would be of more assistance than strangers on a forum when it involves their products.

Your app will probably never be accepted because it doesn't qualify for an exception under 3.2.1 (viii). You're reading something into the guidelines that doesn't exist.

I think the App Reviewer is missing the importance of differentiating between the services of the bank providing the original account and the loaners provdiing additional money. That is who needs to provide the API to fall under the (viii) allowance.You could appeal pointing out that the "financial management" in this case is the institution supplementing the balance and therefore you are using the api's of the institution providing the service.

I apologize for the earlier back-and-forth - it has nothing to do with your problem.

Good luck!