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At a couple of my old companies, we offered source code for pretty much the reasons outlined in your post. But the movie ended badly. "Move Fast And Break Everything" ethos of startups may work fine when the code is originally written inhouse but it causes untold misery when it's natively written by a third party. Hope your movie has a better ending. 

YaaY happy to hear this. Data is not only the new oil but an important moat for AI. It's height of regulatory overreach by the previous Choprando to compel banks in USA to share their data with third parties and, that too, for free and, on top of that, hold banks solely liable for data breach. Amazon, Facebook, LinkedIn and other consumer internet companies are not compelled to share their data with third parties. Neither should banks, especially in this age of AI.  

TBH this sounds like the "From each according to his need" part of the Communist Manifesto. Besides, from the vendor pov, it makes sense to have a single, rigid, repayment schedule so that cash-strapped customers accord highest priority to repaying them rather than reducing their priority because they've offered flexible repayment plan and increase of priority of some other vendor who has not. In my decades of experience of being in sales and business, it makes sense to be somewhat customer-centric in product but totally me-centric when it comes to collections.