Vola, a New York-based fintech company, was able to save its users $18 million in overdraft fees by utilizing Plaid's capabilities to access user-permissioned financial data. The company's ability to do so hinges on its agile structure and low fixed costs, which enable it to provide smart tools for managing finances such as avoiding overdraft fees and building credit scores. Vola was recommended by its ACH payment processor to use Plaid for this capability, and after evaluation, the company chose Plaid as the solution.