This week on Commerce Code we speak with Christian Widhalm, Chief Executive Officer of Bloom Credit. Bloom Credit's goal is to help everyone from startups to established banks easily access and furnish accurate credit data. The goal is to support the creation of accessible, unique financial products for everyone. Today, we are talking about a new product Bloom has developed that makes it easy for consumers to permission access to their payments data in a way that can dramatically improve credit file accuracy and access to credit for consumers.