AI in financial services
It’s here.Money that thinks.
Intelligent finance brings the right context into every financial interaction—so you can build more personalized financial experiences while reducing fraud and risk.
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Intelligent finance runs on Plaid
Plaid powers intelligent finance by bringing together network scale, specialized models, and trusted infrastructure in one place.
Financial models that understand how money moves
Plaid Intelligence uses models trained specifically on financial data for better fraud detection, smarter risk assessment, and more timely predictions—so teams can act with confidence.
Financial models that understand how money moves
Plaid Intelligence uses models trained specifically on financial data for better fraud detection, smarter risk assessment, and more timely predictions—so teams can act with confidence.
A network that reveals financial patterns unlike any other
The Plaid Network connects financial data across payments, lending, spending, and investing, revealing patterns and signals that individual systems can’t see in isolation.
12,000+ financial institutions
500+ million connected accounts
Used by 1 in 2 U.S. adults with bank accounts
A network that reveals financial patterns unlike any other
The Plaid Network connects financial data across payments, lending, spending, and investing, revealing patterns and signals that individual systems can’t see in isolation.
12,000+ financial institutions
500+ million connected accounts
Used by 1 in 2 U.S. adults with bank accounts
Trusted infrastructure for financial intelligence
Grounded in security and compliance, Plaid has safeguards and controls that protect consumer data. This means you can innovate without compromising on safety or consumer trust.
Trusted infrastructure for financial intelligence
Grounded in security and compliance, Plaid has safeguards and controls that protect consumer data. This means you can innovate without compromising on safety or consumer trust.
Real-world results, powered by Plaid
Up to 75% reduction
in ACH return rates with Signal
40%more
first-party fraud detected for a Plaid customer with Protect
Up to 10% higher
categorization accuracy with Transactions
Financial intelligence in action
As expectations rise, intelligent finance helps teams make smarter decisions with better context.
Personalized financial management
Turn transaction data into actionable, personalized experiences with AI-enhanced categorization and enrichment.
Explore personal financial insightsFirst-of-its-kind fraud detection
Assess risk from onboarding through transacting with an ML-powered fraud model trained on thousands of signals, only Plaid can see.
Explore fraud protection
Smarter payment decisions
Predict the likelihood of returns before a debit is initiated, using intelligence from the Plaid Network.
Explore ACH risk assessmentDeeper insight into financial health
Spot hidden risks and opportunities with insights into cash flow patterns, income stability, and app connections.
Explore cash flow insights
AI RESOURCES
See what’s possible with Plaid + AI
Plaid powers the next wave of AI companies
Your questions, answered
Reach out if we didn’t answer yours.
What is intelligent finance?
Intelligent finance is financial systems that use AI to learn from data as money moves over time. It helps financial products deliver better insights and more personalized experiences—while reducing fraud and risk.
What is financial intelligence?
Financial intelligence is the ability of financial systems to recognize patterns in how money moves over time. It helps teams make more informed, accurate decisions.
What role does data play in intelligent finance?
Data plays a foundational role in intelligent finance. It gives systems the signals they learn from to improve decisions over time.
How is intelligent finance shaping the future of financial services?
Intelligent finance is shaping the future of financial services by using AI to learn from real-world financial data and improve over time. It helps financial products deliver more accurate decisions, adapt to change, and create more personalized experiences.
How does intelligent finance support responsible AI?
Intelligent finance supports responsible AI by grounding models in high-quality, data and trusted infrastructure. It helps teams build AI systems that are explainable and designed for accurate decisions.
How does Plaid power intelligent finance?
Plaid powers intelligent finance by turning data into signals that financial products can learn from over time. It helps teams build AI-driven experiences with high-quality data, strong identity resolution, and trusted infrastructure.
What is Plaid Intelligence?
Plaid Intelligence is a suite of purpose-built models for finance. We help teams deliver better insights, personalization, and more confident decisions as customer needs evolve.
