What specific lessons did Finch learn from the experiences and success of Plaid?

It’s interesting since, today, people think Plaid is a definitive success story—an obvious product to be built. Back in the day though, it wasn’t obvious. 

People were really concerned about competition from Stripe and the problem of revenue concentration. At a point right before Series B, Venmo was 80% of revenue for Plaid. There were also concerns around data security.

One lesson we took away was that revenue concentration is actually not that bad, because it forces you to push your infrastructure and your support and your company to a more mature level.

Secondly, we’ve realized that it’s crucial to focus on how we look at security and put that upfront in how we think about building our infrastructure.