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cover of episode Undoing a $5 Billion Acquisition and Building a Durable Standalone Plaid (with Plaid CEO Zach Perret)

Undoing a $5 Billion Acquisition and Building a Durable Standalone Plaid (with Plaid CEO Zach Perret)

2025/5/27
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Zach Perret
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专注于电动车和能源领域的播客主持人和内容创作者。
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主持人：Plaid公司经历了与Visa的收购风波、估值波动以及业务多元化等重大事件，目前正致力于构建更现代的金融生态系统。 Zach Perret：创业公司的发展充满挑战与机遇，Plaid与Visa的收购案虽然最终未能成功，但公司在此期间实现了业务的快速增长和战略转型。我始终认为Plaid与Visa并非直接竞争对手，我们的目标是提高金融服务的效率和质量，并推动支付方式的创新。在经历了一系列市场波动后，Plaid更加注重数据分析和新业务的拓展，以实现更可持续的增长。

Deep Dive

Chapters
This chapter recounts Plaid's journey towards a $5.3 billion acquisition by Visa in January 2020, the emotional rollercoaster experienced by the team upon the announcement, and the various emotions—joy, sadness, surprise, anger—that ensued. It also touches upon the initial lack of anticipation for antitrust issues.
  • Plaid's agreement to be acquired by Visa for over $5 billion
  • The emotional impact of the announcement on Plaid's employees
  • The initial lack of concern regarding antitrust issues

Shownotes Transcript

We sit down with Zach Perret, CEO of Plaid, to discuss the remarkable journey of Plaid and the broader fintech landscape over the past several years. Zach takes us blow-by-blow through journey of almost getting acquired by Visa, the challenges faced during the COVID-19 pandemic… which quickly reversed with ZIRP tailwinds, and how Plaid navigated the volatile market conditions to build a diversified business. We explore the company’s strategic pivots, including their expansion into analytics for fraud detection, alternative credit systems, and bank payments. If you’ve ever wondered “how do you turn from one simple product into a more durable business?” this episode is for you.

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