Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller. The first era of next generation financial companies focused on the bank account as the store of information and value for consumers’ and business’ financial lives. That’s changing, as fintechs and data aggregators go deeper into payroll data and payments. The topic is becoming more urgent since the PPP rollout earlier this year. Ben White from Plaid's policy team has recently authored a report on the value of payroll data and he joins me on the podcast to discuss what payroll data access is, why it matters, and the opportunity it presents for future fintech innovation. A link to the whitepaper is included in our article on our website. Ben White is my guest today on the Tearsheet Podcast.