How have virtual card providers like Brex and Ramp affected Pilot's approach to improving categorizations and data quality in bookkeeping services?

When I was at Pilot, for example, if you were doing any paper checks, we'd more or less make you use Bill. So Pilot can tell its customers what it should buy. 

Similarly, if one bank provides better data than another bank, now they can't just get you to switch your bank because it’s not easy to do. But for me as a business owner, what is differentiating banks?

Clean data is one of the bigger factors so, I would certainly be willing to consider switching banks. Pilot's ability to influence what you're using is real because it impacts the cost of doing the books. If you're not willing to adopt the better technology, you're going to be paying more to get your books done.