John Pitts & Sam Taussig

No products in the cart.

BAN PLUS

No Result

View All Result

BAN PLUS

No Result

View All Result

No Result

View All Result

Plaid, Kabbage: Clearing House Model Agreement creates ‘uneven playing field’

byJohn Pitts & Sam Taussig

December 6, 2019

The Clearing House (TCH) showed encouraging progress for the digital financial ecosystem last month when they proposed their model financial...

No Result

View All Result

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may have an effect on your browsing experience.

Necessary

Always Enabled

Necessary cookies are absolutely essential for the website to function properly. These cookies ensure basic functionalities and security features of the website, anonymously.

Cookie	Duration	Description
__cfruid	session	Cloudflare sets this cookie to identify trusted web traffic.
__RequestVerificationToken	session	This cookie is set by web application built in ASP.NET MVC Technologies. This is an anti-forgery cookie used for preventing cross site request forgery attacks.
_abck	1 year	This cookie is used to detect and defend when a client attempt to replay a cookie.This cookie manages the interaction with online bots and takes the appropriate actions.
34f6831605	session	General purpose platform session cookie, used by sites written in JSP. Usually used to maintain an anonymous user session by the server.
a64cedc0bf	session	General purpose platform session cookie, used by sites written in JSP. Usually used to maintain an anonymous user session by the server.
ak_bmsc	2 hours	This cookie is used by Akamai to optimize site security by distinguishing between humans and bots
ARRAffinity	session	ARRAffinity cookie is set by Azure app service, and allows the service to choose the right instance established by a user to deliver subsequent requests made by that user.
ARRAffinitySameSite	session	This cookie is set by Windows Azure cloud, and is used for load balancing to make sure the visitor page requests are routed to the same server in any browsing session.
AWSELB	session	Associated with Amazon Web Services and created by Elastic Load Balancing, AWSELB cookie is used to manage sticky sessions across production servers.
bm_sz	4 hours	This cookie is set by the provider Akamai Bot Manager. This cookie is used to manage the interaction with the online bots. It also helps in fraud preventions
cf_ob_info	past	The cf_ob_info cookie is set by Cloudflare to provide information on HTTP Status Code returned by the origin web server, the Ray ID of the original failed request and the data center serving the traffic.
cf_use_ob	past	Cloudflare sets this cookie to improve page load times and to disallow any security restrictions based on the visitor's IP address.
CONCRETE5	session	This cookie is set by the provider Concrete5 web content management system. This is a necessary cookie used for maintaining the user session between pages.
connect.sid	1 month	This cookie is used for authentication and for secure log-in. It registers the log-in information.
cookielawinfo-checkbox-advertisement	1 year	Set by the GDPR Cookie Consent plugin, this cookie is used to record the user consent for the cookies in the "Advertisement" category .
cookielawinfo-checkbox-analytics	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Analytics".
cookielawinfo-checkbox-functional	11 months	The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional".
cookielawinfo-checkbox-necessary	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary".
cookielawinfo-checkbox-others	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other.
cookielawinfo-checkbox-performance	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Performance".
cookiesession1	1 year	This cookie is set by the Fortinet firewall. This cookie is used for protecting the website from abuse.
crmcsr	session	General purpose platform session cookie, used by sites written in JSP. Usually used to maintain an anonymous user session by the server.
ep201	30 minutes	This cookie is set by Wufoo for load balancing, site traffic and preventing site abuse.
JSESSIONID	session	The JSESSIONID cookie is used by New Relic to store a session identifier so that New Relic can monitor session counts for an application.
LS_CSRF_TOKEN	session	Cloudflare sets this cookie to track users’ activities across multiple websites. It expires once the browser is closed.
PHPSESSID	session	This cookie is native to PHP applications. The cookie is used to store and identify a users' unique session ID for the purpose of managing user session on the website. The cookie is a session cookies and is deleted when all the browser windows are closed.
sxa_site	session	This cookie is used to identify the webiste visitor's session state across page requests on server.
ts	3 years	PayPal sets this cookie to enable secure transactions through PayPal.
ts_c	3 years	PayPal sets this cookie to make safe payments through PayPal.
viewed_cookie_policy	11 months	The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. It does not store any personal data.
wordpress_test_cookie	session	This cookie is used to check if the cookies are enabled on the users' browser.

Functional

Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features.

Cookie	Duration	Description
__cf_bm	30 minutes	This cookie, set by Cloudflare, is used to support Cloudflare Bot Management.
_zcsr_tmp	session	Zoho sets this cookie for the login function on the website.
663a60c55d	session	This cookie is related to Zoho (Customer Service) Chatbox
bcookie	2 years	LinkedIn sets this cookie from LinkedIn share buttons and ad tags to recognize browser ID.
bscookie	2 years	LinkedIn sets this cookie to store performed actions on the website.
e188bc05fe	session	This cookie is set in relation to Zoho Campaigns
geo	session	This cookie is used for identifying the geographical location by country of the user.
iamcsr	session	Zoho (Customer Support) sets this cookie and is used for tracking visitors (for performance purposes)
lang	session	LinkedIn sets this cookie to remember a user's language setting.
language	session	This cookie is used to store the language preference of the user.
lidc	1 day	LinkedIn sets the lidc cookie to facilitate data center selection.
optimizelyEndUserId	1 year	Optimizely uses this cookie to store a visitor's unique identifier which is a combination of a timestamp and a random number. Different variations of web parts are shown to users that optimizes the website's user experience.
tableau_locale	session	Tableau uses this cookie to determine the preferred language and country-setting of the visitor - This allows the website to show content most relevant to that region and language.
UserMatchHistory	1 month	LinkedIn sets this cookie for LinkedIn Ads ID syncing.

Performance

Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.

Cookie	Duration	Description
AWSELBCORS	20 minutes	This cookie is used by Elastic Load Balancing from Amazon Web Services to effectively balance load on the servers.

Analytics

Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc.

Cookie	Duration	Description
__gads	1 year 24 days	The __gads cookie, set by Google, is stored under DoubleClick domain and tracks the number of times users see an advert, measures the success of the campaign and calculates its revenue. This cookie can only be read from the domain they are set on and will not track any data while browsing through other sites.
_ga	2 years	The _ga cookie, installed by Google Analytics, calculates visitor, session and campaign data and also keeps track of site usage for the site's analytics report. The cookie stores information anonymously and assigns a randomly generated number to recognize unique visitors.
_gcl_au	3 months	Provided by Google Tag Manager to experiment advertisement efficiency of websites using their services.
_gid	1 day	Installed by Google Analytics, _gid cookie stores information on how visitors use a website, while also creating an analytics report of the website's performance. Some of the data that are collected include the number of visitors, their source, and the pages they visit anonymously.
ajs_anonymous_id	never	This cookie is set by Segment to count the number of people who visit a certain site by tracking if they have visited before.
ajs_group_id	never	This cookie is set by Segment to track visitor usage and events within the website.
ajs_user_id	never	This cookie is set by Segment to help track visitor usage, events, target marketing, and also measure application performance and stability.
browser_id	5 years	This cookie is used for identifying the visitor browser on re-visit to the website.
CONSENT	2 years	YouTube sets this cookie via embedded youtube-videos and registers anonymous statistical data.
sid	1 year	The sid cookie contains digitally signed and encrypted records of a user’s Google account ID and most recent sign-in time.
uid	1 year	This is a Google UserID cookie that tracks users across various website segments.
vuid	2 years	Vimeo installs this cookie to collect tracking information by setting a unique ID to embed videos to the website.
WMF-Last-Access	1 month 21 hours 5 minutes	This cookie is used to calculate unique devices accessing the website.

Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. These cookies track visitors across websites and collect information to provide customized ads.

Cookie	Duration	Description
_dc_gtm_UA-1038974-4	1 minute	Used to help identify the visitors by either age, gender, or interests by DoubleClick - Google Tag Manager.
_fbp	3 months	This cookie is set by Facebook to display advertisements when either on Facebook or on a digital platform powered by Facebook advertising, after visiting the website.
_pxhd	past	Used by Zoominfo to enhance customer data.
fr	3 months	Facebook sets this cookie to show relevant advertisements to users by tracking user behaviour across the web, on sites that have Facebook pixel or Facebook social plugin.
IDE	1 year 24 days	Google DoubleClick IDE cookies are used to store information about how the user uses the website to present them with relevant ads and according to the user profile.
test_cookie	15 minutes	The test_cookie is set by doubleclick.net and is used to determine if the user's browser supports cookies.
VISITOR_INFO1_LIVE	5 months 27 days	A cookie set by YouTube to measure bandwidth that determines whether the user gets the new or old player interface.
YSC	session	YSC cookie is set by Youtube and is used to track the views of embedded videos on Youtube pages.
yt-remote-connected-devices	never	YouTube sets this cookie to store the video preferences of the user using embedded YouTube video.
yt-remote-device-id	never	YouTube sets this cookie to store the video preferences of the user using embedded YouTube video.
yt.innertube::nextId	never	This cookie, set by YouTube, registers a unique ID to store data on what videos from YouTube the user has seen.
yt.innertube::requests	never	This cookie, set by YouTube, registers a unique ID to store data on what videos from YouTube the user has seen.

Others

Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet.

Cookie	Duration	Description
049fc2ef5beb27056b07d9e4c4d13fd3	session	No description
akaalb_http_misc_subs	session	No description
AnalyticsSyncHistory	1 month	No description
BIGipServermsocu-web-2-rr.webfarm.ms.com.10882	session	No description
bm_mi	session	No description available.
CX_406152288	1 year	No description
DCID	20 minutes	No description
debug	never	No description available.
DrupalVisitorMobile	session	No description available.
ep203	3 months	No description available.
frbatlanta#lang	session	No description
geo_info	1 year	No description available.
GoogleAdServingTest	session	No description
li_gc	2 years	No description
loglevel	never	No description available.
loom_anon_comment	session	No description available.
loom_referral_video	session	No description
mkjs_group_id	never	No description available.
mkjs_user_id	never	No description available.
MorganStanley.ClientServ.Common.IPZipAccess.IPZipCookie.DEFAULT_COOKIE_NAME	past	No description
NSC_us_nbsl-83+63+21+25-91	session	No description
nyt-a	1 year	This cookie is set by the provider New York Times. This cookie is used for saving the user preferences. It is used in context with video and audio content.
nyt-gdpr	6 hours	No description available.
nyt-purr	1 year	No description available.
OCC_Encrypted_Cookie	session	No description
polleverywhere_session_id	14 days	No description
ppnet_2020	session	No description available.
ppnet_2777	session	No description available.
reuters-geo	session	No description
shell#lang	session	No description
smcx_0_last_shown_at	session	No description available.
tableau_public_negotiated_locale	session	No description available.
vary	1 month	No description
www#lang	session	No description
X-Vive-Country	session	No description
xn_uuid	1 month	No description

John Pitts & Sam Taussig

Plaid, Kabbage: Clearing House Model Agreement creates ‘uneven playing field’

STAY INFORMED WITH OUR NEWS ALERTS

EMERGING FINTECH DIRECTORY

RETAIL BANKING

Ally launches digital products in first quarter

Bank of America’s digital offerings draw more users

PNC invests in retail banking technology platform

SPONSORED

The Power of Machine Learning in Transaction Monitoring

Next-gen Financial Document Processing: A Must for Modern Banking

The potential of AI-powered chatbots in banking customer support

Connect