In the early days, plad's focus was on top 20 institutions. As problems start to go main stream, that ten, 15 % that cant on board, they end up becoming extremely noisy. But you have to do that in order to keep your customers happy. We didn't have a first contract at banks so we had knitit's a relationship with a lot of them. It kind of made sense from a strategic perspective, where they thought it was working for theirs. And the consumers like hay, this is our data and we want to be able to port over into their account.

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