Plaid has taken a unique approach to addressing consumer data access in the financial services industry, engaging with regulators and other stakeholders to share learnings and promote a collaborative ecosystem. By investing in information sharing and cooperation, Plaid aims to achieve its goals of protecting consumers' data while enabling secure and thoughtful data access. The company believes that incentives are aligned across the ecosystem to support this goal, and it is proactively working with partners to implement the necessary technology to create better consumer experiences.