Welcome to the Plaid Blog
December 15, 2025
How we built LendScore: Turning cash flow data into credit risk insights
Go behind the scenes of LendScore, a new credit risk score that leverages cash flow data and Plaid’s unique network insights to deliver deeper borrower insights and more predictive risk assessments.
December 11, 2025
Product Updates - December 2025
Explore December's updates including improvements to pay-by-bank conversion, API access for fraud products, faster Link load times, and AI-enhanced transaction categories.
December 03, 2025
Plaid’s AI-enhanced transaction categories: Smarter categorization, sharper insights
Unlock deeper insights with Plaid’s AI-enhanced transaction categorization – cleaner data, richer context, and new subcategories for smarter experiences.
December 01, 2025
CCD2: What EU lenders need to know and how to prepare
CCD2 updates EU consumer credit rules by bringing BNPL and microloans into scope and requiring verified creditworthiness checks for every loan. Learn what the directive means for lenders,...
November 19, 2025
Helping community banks and credit unions bring their trusted customer experience into the digital age
Community banks and credit unions play a vital role in their customers’ lives, and Plaid is helping bring that trusted experience into the digital age. By expanding access...
November 18, 2025
Introducing one click payments: A simpler, faster way to Pay by Bank in Europe
Plaid One Click, a faster, more trusted Pay by Bank experience in Europe that streamlines checkout, builds user confidence, and boosts conversion.
November 18, 2025
Product Updates - November 2025
This month’s updates deliver improvements across data quality, verification workflows, analytics, and partner integrations. We’ve enhanced employer and income normalization for underwriting, added flexible controls and webhooks in...
November 11, 2025
EU Instant Payments Regulation: What businesses need to know
Instant payments are now the European standard. With the EU’s new Instant Payments Regulation in force, every euro-denominated SEPA transaction must clear in 10 seconds, 24/7. Discover what...
October 23, 2025
Plaid Investments: Leading the next era of digital investing
The future of investing starts with better data
October 21, 2025
Strengthening financial freedom & competition: Plaid's submission on the CFPB's 1033 ANPR
Today, Plaid submitted comments to the Consumer Financial Protection Bureau (CFPB) on its Advance Notice of Proposed Rulemaking (ANPR) regarding the Personal Financial Data Rights Rule. Our message...
October 21, 2025
Zilch unlocks new era of customer-first payments with Pay by Bank
Zilch is reimagining repayments with Pay by Bank, powered by Plaid’s open banking technology. The partnership unlocks a smarter, more flexible payments experience for over five million customers.
October 20, 2025
Product Updates - October 2025
In case you missed it, we just announced a new suite of ML-powered risk scores designed to help you make faster, smarter decisions across onboarding, payments, and credit....
October 15, 2025
Plaid’s Fall 2025 Product Release
Learn how real-time data, network intelligence, & AI power new risk, credit, & fraud scores in our 2025 Fall Release.
October 15, 2025
Plaid LendScore: Unlocking insights never used before in credit scoring
Introducing LendScore—a first-of-its-kind credit risk score for modern lending. Increase approvals, lower losses, and expand credit access with unique risk insights from the Plaid Network.
October 14, 2025
Introducing Ti2: The next generation of Plaid Protect’s Trust Index
Introducing Ti2, the next generation of Plaid Protect’s Trust Index. With double the training data and powerful graph-based insights, Ti2 detects 30% more fraud—spotting patterns traditional tools...