Payroll data: The next frontier for fintech and open finance` presents an opportunity for fintech and open finance innovation as consumers gain control over their personal financial information, including payroll data. This data is critical for a comprehensive view of a consumer's finances, enabling them to make informed decisions about managing their funds. By providing secure access to payroll data APIs, fintech companies can enhance lending and benefits products, improve employee-provided financial benefits, and streamline consumer and enterprise fintech operations alike. The industry is poised to unlock new applications and improve consumers' financial lives through this innovation, building on the success of open banking and improving consumer access to bank account information.