Welcome to the Plaid Blog
November 06, 2023
Lending smarter with cash flow data: Plaid’s path ahead in Credit
Today, we’re excited to announce that Plaid has formed a new entity that will build solutions for customers who want ready-made credit risk insights from consumer-permissioned cash flow...
October 04, 2023
Tech Talk: Lending smarter with cash flow data
Cash flow data, such as income, rental payments, and utility records, has now become the industry standard for leading fintech lenders. They’re using cash flow data to fuel...
July 18, 2023
How lenders are driving profitability across the loan lifecycle with alternative data
Historically, lenders have most often used alternative credit data as a companion to credit bureau data during the loan origination process. Given the macro environment, lenders are...
February 23, 2023
An easier way to automate asset and income verification for lenders
Plaid offers a robust array of these digitization solutions–used by some of today’s largest mortgage lenders–from identity and asset to income verification. Now, we are excited to announce...
December 02, 2022
Innovating in the UK's credit information market - how Open Banking can help and why it matters
Open Banking is one of the main drivers of innovation in the credit information market, according to the Financial Conduct Authority (FCA). Twenty million people in the UK...
November 09, 2022
3 ways lenders can navigate a changing economic landscape
Lenders facing a more competitive market could benefit from focusing on building the most compelling consumer experiences, while also improving backend processes to increase efficiencies and reduce risk....
November 02, 2022
A Q&A with Irene Tollinger of Acre Homes
How Acre Home’s Co-Founder uses Plaid to unlock buyer insights and deliver a seamless customer approval application experience
April 19, 2022
Build a more inclusive credit system with Plaid Income
Income verification continues to be a highly manual and time-consuming process—one that is error-prone, and more consequentially, not representative of today’s workforce. That's why we’re excited to officially...
September 07, 2021
Building an Income verification product for every American
Payroll data has tremendous potential to help people lead healthier financial lives. That’s why we’re making it easier for consumers to prove their income: it can help them...
March 04, 2021
Introducing Plaid Income: Delivering easier and faster income verification
Income, a new product currently in beta, makes it easier for applicants to prove their income in order to secure loans, qualify for mortgages, rent apartments, lease vehicles,...
November 12, 2020
Payroll data: The next frontier for fintech and open finance
Consumer-permissioned access to payroll data could unlock new applications and improve consumers’ financial lives As fintech adoption exploded over the past decade, consumers became familiar with connecting...
November 05, 2020
Improving the small-dollar lending experience with fintech
Lenders have more opportunities to participate in responsible and cost-effective small dollar lending. Recently, the Fed, FDIC, OCC, and NCUA released new guidance encouraging banks and...