2023年8月18日,

2023年8月18日,纸风车,收入和就业数据工程的市场领先提供者fintech创新、合作伙伴与格子,领先的开放的金融网络,为其提供互补的工资数据服务收入的产品。此外,纸风车将成为首选供应商直接存款转换(DDS)服务。作为首选的提供者,格子将参考客户需要直接存款服务切换到纸风车。最重要的部分一个人的金融生活是他们的收入。消费者是否挣一份工资,不规则gig-work支付,失业救济,或任何类型的收入,他们需要无缝连接他们的收入账户金融应用程序,尤其是在90%的消费者想要更多的控制自己的财务数据。首选的提供者直接存款转换(DDS):纸风车连接超过1700平台覆盖80%的美国工人和超过150万个雇主,和只有工资API覆盖100%的消费者通过直接存款支付。纸风车存款开关使每个用户使用直接存款切换用户体验驱动最大转换通过纸风车的智能检测,不管他们如何得到他们的薪水。Deposit-switching解决方案必须适应所有收入概要文件类型提供最大价值。与消费者的许可,纸风车自动为每个客户提供了最佳的切换选项概要文件。直接存款转换为每一个客户和场景:Credential-less:无缝切换通过直接与工资公司合作。 Login-based: Credential-based logins with over 1,700 payroll service providers and gig platforms. Form-based: Enhanced pre-filled forms with sharing guidance and customizations. Consumers can also use their payroll credentials to log in via the Pinwheel flow and update their deposit settings via the Automated option. Pinwheel Deposit Switch offers deep insights through allocation monitoring so banks and fintechs can better understand customers’ financial pictures and provide products that best meet their needs. “The promise of digital finance means unlocking financial freedom and making it easy for consumers to access better financial services and, ultimately, better financial outcomes,” said Tamara Romanek, Head of Partnerships of Plaid. “We selected Pinwheel as our Preferred Provider for direct deposit switching referrals so that our customers can better support the needs of their customers and leverage different tools in our partner network that enhance their product experiences.” Additional provider of Income and Employment for underwriting use cases: Pinwheel is now also helping to provide additional consumer-permissioned payroll data for its Income product, which enables lenders to verify their borrowers’ income through pay stubs, bank statements, and payroll data. Pinwheel offers the industry’s highest level of connectivity and is the only provider in the space that applies advanced analytics and intelligence to make sense of the data for banks and fintechs. “Fintech has come so far in the past decade, and we’re now staring down the next era of great innovation, one that will be built atop real-time income and employment data,” said Brian Karimi-Pashaki, Partnerships Lead of Pinwheel. “Plaid fostered the fintech ecosystem we know today, and we’re proud to embark on this partnership that closely aligns with our mission to create a fairer financial system and will help power new and improved underwriting processes for mortgages, auto, and personal loans. Income is arguably the most important part of someone’s financial picture, and we’re just scratching the surface of how unlocking this missing data can create more positive outcomes for consumers and financial institutions alike.” Pinwheel’s additional payroll connectivity will allow more consumers to access products best designed to meet their needs, and banks and fintechs can serve a wider variety of customers they otherwise wouldn’t have been able to without access to data that showcases their creditworthiness.”