I understand using bank feeds that are direct between Sage and the bank are secure. My belief is that the portal that opens in Sage is actually created by the Bank and so all personal security data is only seen by the bank who then gives access to retrieving data to Sage. Is this correct and if it is variable how can I know if this is the case or not?

As some of my bank feeds may be set up through one of the third party companies, how is my sign in information held and protected? Also in the case that there is a loss of my secure sign in data with subsequent losses, where does the responsibility lie, as I would not want to be the one in the middle trying to sort out the issues as to who is responsible etc.

Having recently looked into some cryptography write ups, I believe that the banks have a method of encrypting and having transferred personal secure data that is only viewable by them. Is this in place for bank feed secure data in Sage, whether direct or via 3rd party?

Finally, I assumed that open banking is a direct connection between the bank and the FCA approved other (which I assume Sage is) so will the 3rd parties be removed over the upcoming months or will they always be used.

Thanks