May 12, 2026
Bank Intelligence is expanding for financial institutions
Banks have always had a view of their customers. What they've often lacked is the full picture: what's happening in the rest of their customers' financial lives, across every app, every account, every institution they use. That gap is where deposits quietly leave and where fraud quietly arrives.
What makes that full picture possible is Plaid's vantage point at the center of a financial ecosystem spanning hundreds of millions of accounts. That network is the signal. And now, we're making it visible to financial institutions.
Today we're expanding Bank Intelligence, Plaid's suite of products built specifically for financial institutions, with four new capabilities across two areas: Fraud Insights and Loyalty Insights. Together, they give you the leading indicators you need to protect customers and deepen relationships before the moment has passed.
Fraud Insights: bringing fraud intelligence to the open finance channel
Financial institutions face a fundamental challenge when it comes to fraud: by the time suspicious activity surfaces in your own systems, it has often already materialized. The signals that could have triggered earlier action were happening elsewhere, across accounts and institutions outside your view. Fraud Insights gives you real-time signals so you can act before that happens, with two new features: Connection Risk Score and Network Alerts.
Connection Risk Score
The moment a customer connects a third-party app to their bank account offers a window into fraud signals happening across the broader network. Connection Risk Score delivers a real-time assessment at that exact moment, drawing on activity patterns observed across the Plaid network to help you understand the risk of a given connection attempt.
Powered by the same machine learning engine behind Plaid's fraud detection capabilities, developed across years of network-level transaction data, the score is now available to financial institutions at the moment of connection. You can use it to make smarter decisions about how to handle a given attempt, whether to allow it, prompt for additional verification, or intervene. The result is smarter decisions at a critical touchpoint, prioritizing a smoother experience for legitimate users and additional verification when the risk calls for it.
Network Alerts
Account takeover rarely stays contained to a single institution. When a customer's account is compromised somewhere in their financial life, the risk can extend across every financial relationship they have. Most institutions find out they're affected only after the damage is done.
Network Alerts changes that. When Plaid detects suspicious activity indicating a customer’s bank account may be compromised, both the relevant institution and other institutions where that customer holds accounts are alerted immediately, so your teams can take proactive steps to protect affected accounts before fraud materializes. You don't have to wait to find out you're the next target, and consumers benefit from faster, coordinated intervention across every institution where they're at risk.
Loyalty Insights: knowing where you stand in your customer's financial life
Similar to fraud, the signals that matter most about your customer relationships are increasingly happening outside your own systems across the other apps, accounts, and institutions your customers use every day. Your internal data tells you how active a customer is with you. It doesn't give you a view of their broader financial life, or whether a relationship that looks healthy is quietly shifting elsewhere.
Loyalty Insights is built to close that gap, providing leading indicators that reflect a customer's full financial picture, so you can act on the right relationships at the right moments, protect revenue at risk, and build the kind of experiences that drive long-term growth.
Retention Score
Launched last fall, Retention Score is a predictive machine learning model that identifies direct deposit churn risk before deposits are lost. Rather than relying on the lagging indicators most institutions use, Retention Score is powered by a model trained on anonymized and aggregated behavioral and network patterns across the Plaid network, including connection history, account longevity, and how customers are managing relationships across institutions. The model uses those patterns to score each of your customers individually, identifying them as High or Medium risk of churning, often weeks or months before internal systems would flag anything, and giving your retention, growth, and product teams a clear signal for where to focus.
Primacy Score
Primary customers aren't just more loyal, they're dramatically more valuable. They hold 10x more deposits and generate 8x more fee revenue than non-primary customers. But most institutions have no reliable way to know which customers consider them their primary bank, and which are quietly consolidating elsewhere.
Primacy Score answers that question. Delivered as a user-level score from 0 to 100, it's built on three dimensions:
Share of network: How much of a customer's financial connections your institution represents, relative to all institutions they use across Plaid's network.
Competitive standing: Your rank among the institutions a customer actively connects to, including signals of consolidation or diversification in their banking relationships over time.
Engagement quality: The breadth, consistency, and depth of a customer's usage of your institution in the Plaid network, evaluated in the context of their broader financial behavior rather than in isolation.
Together, these shift the question from "how active is this customer with me?" to "how essential am I in their broader financial life?", opening up new use cases across customer segmentation, communications, product roadmapping, and portfolio health monitoring.
Translating scores into customer engagement strategy
Retention Score and Primacy Score are most powerful as a pair. Retention Score tells you who is at risk of leaving. Primacy Score tells you how key that relationship is. Used together, they let you match the level of engagement to both risk and relationship strength in a way that internal data alone can't support.
A customer who scores high on primacy and high on churn risk is the clearest signal for immediate intervention. This is a core relationship worth protecting. A customer who is churning but low on primacy calls for a different calculus: over-investing in attrition that was never going to convert is a real cost. The combination gives your teams a framework for prioritizing the right customers at the right moments, and for building the kind of timely experiences that strengthen relationships over the long term.
What's next
Bank Intelligence is still in its early chapters. The expansion we're announcing today is part of our broader commitment to giving financial institutions the tools and insights they need to better understand and serve their customers. There's more to come.
If you're a financial institution interested in Fraud or Loyalty Insights, we'd love to talk.