Hi everybody welcome to this Tuesday Tech Check Plus live stream. It's been a while

since I've done one of these but I'm thrilled to have with me Zach Bray co-founder and

CEO of Plaid and Erin Kate Rooney. Thanks for being here. Good morning.

Thank you so much for having me.

Thanks for being on TV about 15 minutes ago, half an hour I suppose.

We got to some of the top level stuff, but I want to go back a little bit and talk about you came out, company came out with these

2023 FinTech predictions.

What was sort of the number one prediction?

What were people most interested in when you had that session?

So this is a thing that we tend to do every year.

We come up with our FinTech predictions.

I think this started from me writing a tweet from a plane maybe seven years ago

when we were a very small company.

What did you tweet then?

It was just a screenshot of a bunch of these different ideas.

Did they come true?

You know, I think we were about 50-50 that year.

I think in general or probably 60-40 and some of them are

threads by the way I feel like you were a really thread person on Twitter

it was a screenshot essay in substance and so this year we picked the FinTech's going to have a banner year in many

since it's going to be very different than what you might have said last year

or the year before. We've seen a shift in the way that the market is is growing and you've

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