October 14, 2025
Introducing Plaid Bank Intelligence: Insights for customer engagement and fraud prevention
Open finance is changing what’s possible for consumers and financial institutions. People can securely manage their finances across multiple apps and services—from budgeting and investing to borrowing and saving—all from the palm of their hand.
At the same time, banks need visibility into the apps and services their customers connect to, along with clear tools to manage consent. To help, Plaid launched Permissions Manager and App Directory in 2024. These tools give banks visibility into where their customers’ data is being shared and provide those customers with clearer control over their connections. Together, they’ve made open finance work better for everyone, strengthening oversight while empowering choice.
Now, we’re taking the next step by building insights that drive even more value for financial institutions. Introducing Plaid Bank Intelligence, a new suite of insights and tools designed to help financial institutions deepen customer engagement and protect customers from fraud.
Plaid has a unique vantage point across tens of millions of connected financial accounts and everyday apps that no single institution could achieve alone. These insights can help improve customer engagement and protect consumers from fraud. The first set of Bank Intelligence insights will include:
Retention Score (available now in early beta): A signal that highlights direct deposit churn risks for your customer base. More on this below.
Primacy Indicators (coming soon): Insights into if the user's account with your bank is their primary account, helping banks understand trends and improve share of wallet.
Fraud Insights (coming soon): Real-time signals to help banks further mitigate account takeovers and other types of fraud.
With these products, banks can better understand and serve their customers. For consumers, the benefit is clear: better-designed products, timely educational resources, and experiences that are tailored to their needs, ultimately leading to stronger financial outcomes.
Build better product experiences with Plaid Retention Score
Today, we’re opening our beta waitlist for the Retention Score, which provides a signal to help financial institutions better understand the health of their direct deposit base. Retention Score gives you early visibility and actionable insights instead of only seeing churn after it has happened.
Key benefits include:
Support for smarter decisions: Equip product and analytics teams with insights to design better journeys, improve onboarding, and optimize long-term engagement.
Customer insights: Unlock meaningful lifecycle data to prioritize resources across the user journey and maximize outcomes.
Early visibility into churn risk: Spot emerging risks before deposits are lost.
We’re looking forward to partnering on testing the Retention Score with you, as well as sharing additional customer engagement insights later in 2026 with primacy indicators.
Protecting customers and institutions from sophisticated fraud
The next step of the Bank Intelligence suite will be expanding our fraud efforts to banks by developing real-time intelligence signals to help financial institutions of all sizes stay ahead of emerging threats. As fraudsters grow more sophisticated, they’re finding new ways to exploit blind spots in existing defenses – making it harder than ever to protect consumers and deposits. Leveraging Plaid’s cross-institution visibility, we can identify patterns and anomalies that help detect potential account takeovers earlier, giving banks more time to intervene before losses occur.
These new fraud insights are being built on the same ML model that underpins Protect, Plaid’s fraud intelligence platform trained on thousands of attributes across a billion device connections. Now being adapted specifically for bank use cases, these insights will give institutions real-time visibility into potential risks and enable additional intervention to protect consumers, reduce losses, and preserve trust.
Stay tuned for our first release in Q1 2026.
Looking ahead
The Retention Score is now available in early beta. If you’re a financial institution who accepts direct deposits and you’re interested in participating, join the waitlist below. Waitlist members get exclusive updates, early insights, and will be the first banking partners that are selected for access. We can’t wait to hear your feedback.