Plaid announced its Fall 2025 product release on October 15, introducing a Bank Intelligence suite and three new predictive risk and fraud scores powered by the company’s network data spanning 150 million consumers and 7,000 applications.
The Bank Intelligence suite provides financial institutions with tools to deepen customer engagement and strengthen fraud defenses. Products include Retention Score (now in early beta), which identifies customers at risk of switching institutions, and Fraud Insights for real-time detection of account takeovers.
Three new scoring systems target different stages of the financial services lifecycle. LendScore (model LS1) evaluates real-time cash flow and income patterns to predict 12-month default risk, delivering what Plaid describes as 25 percent lift in predictive performance compared to traditional credit data alone. Trust Index 2, the updated fraud risk score, catches 30 percent more fraud than its predecessor through behavioral signal analysis and live network-wide graph detection. Signal provides a dashboard and rules engine for transaction risk management with 140 percent better performance on its core model.
The release also included Transfer for Platforms, which supports platform onboarding for bank payments and reduces processing costs by up to 40 percent compared to card-based transactions. Layer, Plaid’s onboarding product, received UI improvements driving up to 5 percent conversion lift.
Plaid processes nearly one million connections daily across its network, giving it a data advantage in predictive modeling that few competitors can match. The Fall 2025 release positions Plaid as infrastructure not only for account connectivity but for the risk and intelligence layer that financial institutions and embedded finance platforms require to underwrite and protect transactions at scale.
