How does Pinwheel view employee's data ownership & how would it affect entering a space like Finch's that helps underwrite loans?

There's a very, very important distinction that you wouldn't believe how many people—including VCs, and it’s literally their job—don't understand the difference here. 

The easiest way to explain it is that there are companies who connect into payroll, but it depends on the type of customer you serve. Our customers are solely consumer businesses. The other class of payroll APIs, for lack of a better term, their customers are B2B themselves. That is the key differentiation.

Now, will we ever get to a point where we expand into that market? Possibly. I'm never one to say never, but I also know that to be successful as a startup, focus is super critical. So, it's better to be really, really, really good at one thing or a few things than to try to expand into something that’s just going to spread you out too thin. That's the way that we think about it and that's where our focus is right now.