XOR Data Exchange Founder and CEO Mike Cook, and Zoot Enterprises SVP of Sales and Marketing Travis Tuss discuss: the founding of XOR (1:36), the concept of data exchange (3:25), the experience of impacted consumers (5:19), Zoot as the “on-ramp” of the financial services ecosystem (6:35), smart fraudsters (9:20), methods for obtaining compromised data (10:41), the challenge of leaked passwords (13:00), the similarities between frauders and good customers (14:10), and the economic impact of fraudsters (19:00).