This episode was recorded at the Money 20/20 event in 2019. On this episode, PaymentsJournal’s editor-in-chief, Ryan McEndarfer, sat down with Sanjoy Malik, chairman and CEO of Urjanet. PaymentsJournalSitting down with the CEO of Urjanet, a Utility Data AggregatorPaymentsJournal Sitting down with the CEO of Urjanet, a Utility Data AggregatorPaymentsJournaljQuery(document).ready(function ($){var settings_ap42605269 = { design_skin: "skin-wave" ,autoplay: "off",disable_volume:"default" ,loop:"off" ,cue: "on" ,embedded: "off" ,preload_method:"metadata" ,design_animateplaypause:"off" ,skinwave_dynamicwaves:"off" ,skinwave_enableSpectrum:"off" ,skinwave_enableReflect:"on",settings_backup_type:"full",playfrom:"default",soundcloud_apikey:"" ,skinwave_comments_enable:"off",settings_php_handler:window.ajaxurl,skinwave_wave_mode:"canvas",pcm_data_try_to_generate: "on","pcm_notice": "off","notice_no_media": "on",design_color_bg: "111111",design_color_highlight: "ef6b13",skinwave_wave_mode_canvas_waves_number: "3",skinwave_wave_mode_canvas_waves_padding: "1",skinwave_wave_mode_canvas_reflection_size: "0.25",skinwave_comments_playerid:"42605269",php_retriever:"https://www.paymentsjournal.com/wp-content/plugins/dzs-zoomsounds/soundcloudretriever.php" }; try{ dzsap_init(".ap_idx_84432_2",settings_ap42605269); }catch(err){ console.warn("cannot init player", err); } }); PaymentsJournal: Sanjoy, thank you so much for joining me on today’s episode. To start, let’s give our audience a little bit of an overview about your company, Urjanet. Sanjoy Malik: Yes, thank you. Urjanet is a utility data aggregator. We are connected to close to 7000 different electricity, gas, water, waste, and telecom utilities, and we provide information and data from these utilities to our customers, who may use it in the context of businesses or consumers. Our data is all permission-based and qualifies to comply with things like CCPA, GDPR, etc. PaymentsJournal: Excellent, thank you for that overview. Well, we’re here at Money20/20. Did your organization have any big announcements coming out of this event? Malik: Yes, we announced a deal with LevelCredit, LevelCredit as a data furniture that is going to combine alternative utility data from Urjanet along with the ranked data that they already collect. It is a data furnisher to many financial institutions and credit rating agencies, so we are very excited about working with LevelCredit and having it use our data. It is going to integrate very closely with our APIs and will have access to millions of consumers. PaymentsJournal: I’d love to get to a little bit more of the brass tacks of that partnership there. Why specifically did Urjanet decide to partner with LevelCredit, and what will this new partnership really enable for both organizations? Malik: So, LevelCredit is one of the leaders in providing the kind of data that it do, and it is not one not for many partners. Our data is being used by many different businesses and partnerships. We have partnerships with many different types of companies, including folks that provide data for credit and lending, for ID verification, for processing payments, etc., and LevelCredit happens to be a leader in that space. It is the primary and one of the leading providers of rent information, so combining rent with utility data makes a lot of sense and it has a richer set of data that it can then provide