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105V2.75H6.25Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_4207"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">Identity<span class="MuiBox-root css-61plmn">Bank account-holder information</span></span></div></a></li><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/products/balance/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_4333)"><path d="M12.3785 6.06033L14.6102 2.93594L13.3896 2.06409L11.2921 5.00066L9.78164 4.09439C9.22281 3.75909 8.50014 3.90939 8.12135 4.4397L6.2921 7.00066L4.78164 6.09439C4.22281 5.75909 3.50014 5.90939 3.12135 6.4397L0.889648 9.56409L2.11025 10.4359L4.2078 7.49937L5.71826 8.40565C6.27709 8.74094 6.99975 8.59064 7.37855 8.06033L9.2078 5.49937L10.7183 6.40565C11.2771 6.74094 11.9998 6.59064 12.3785 6.06033Z" fill="currentColor"></path><path d="M15 12.25H1V13.75H15V12.25Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_4333"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">Balance<span class="MuiBox-root css-61plmn">Real-time balance checks</span></span></div></a></li><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/products/signal/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_4675)"><path d="M11.5303 5.53026L10.4696 4.4696L6.99993 7.93927L5.53026 6.4696L4.4696 7.53026L6.99993 10.0606L11.5303 5.53026Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M8.3031 0.302702C8.10405 0.25294 7.89581 0.25294 7.69676 0.302704L2.19683 1.6777C1.64037 1.81682 1.25 2.3168 1.25 2.89038V11.2128C1.25 11.6574 1.48614 12.0685 1.87016 12.2925L7.37009 15.5009C7.75929 15.7279 8.24056 15.7279 8.62977 15.5009L14.1298 12.2925C14.5139 12.0685 14.75 11.6574 14.75 11.2128V2.89038C14.75 2.3168 14.3596 1.81682 13.8032 1.6777L8.3031 0.302702ZM2.75 3.08557L7.99993 1.77307L13.25 3.08558V11.0692L7.99994 14.1317L2.75 11.0692V3.08557Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_4675"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">Signal<span class="MuiBox-root css-61plmn">ACH payment risk platform</span></span></div></a></li><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/products/transfer/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_4756)"><path d="M15.0608 4.5L11.0304 0.469666L9.96978 1.53033L12.1895 3.75L2.00011 3.75V5.25H12.1894L9.96978 7.46967L11.0304 8.53033L15.0608 4.5Z" fill="currentColor"></path><path d="M0.939453 11.5L4.96978 15.5303L6.03044 14.4697L3.81077 12.25L14.0001 12.25V10.75L3.81078 10.75L6.03044 8.53033L4.96978 7.46967L0.939453 11.5Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_4756"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">Transfer<span class="MuiBox-root css-61plmn">ACH, RTP, and FedNow payment processing</span></span></div></a></li><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/products/investments-move/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_3998)"><path d="M7.46997 3.03027L12.4397 8L7.46997 12.9697L8.53052 14.0303L14.5608 8L8.53052 1.96973L7.46997 3.03027Z" fill="currentColor"></path><path d="M2.46997 3.03027L7.4397 8L2.46997 12.9697L3.53052 14.0303L9.56079 8L3.53052 1.96973L2.46997 3.03027Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_3998"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">Investments Move<span class="MuiBox-root css-61plmn">Streamline asset transfers. Unlock growth.</span></span></div></a></li></ul></li><li class="css-1lwrckp"><button aria-expanded="false" aria-controls="main-menu-item-022-menu" class="css-1l2x1ad">Fraud &amp; risk<span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-gjnjl3" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_3962)"><path d="M14.0303 6.53027L8 12.5605L1.96973 6.53027L3.03027 5.46973L8 10.4395L12.9697 5.46973L14.0303 6.53027Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_3962"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></button><ul id="main-menu-item-022-menu" class="css-tgr9go"><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/solutions/fraud/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_4270)"><path d="M11.5304 7.03026L7.50006 11.0606L4.96973 8.53026L6.03039 7.4696L7.50006 8.93927L10.4697 5.9696L11.5304 7.03026Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M4.98936 1.25C5.10518 0.67944 5.60962 0.25 6.21436 0.25H9.71436C10.3191 0.25 10.8235 0.67944 10.9394 1.25H13C13.6904 1.25 14.25 1.80964 14.25 2.5V13.5C14.25 14.1904 13.6904 14.75 13 14.75H3C2.30964 14.75 1.75 14.1904 1.75 13.5V2.5C1.75 1.80964 2.30964 1.25 3 1.25H4.98936ZM4.96436 2.75H3.25V13.25H12.75V2.75H10.9644V3C10.9644 3.69036 10.4047 4.25 9.71436 4.25H6.21436C5.524 4.25 4.96436 3.69036 4.96436 3V2.75ZM6.46436 1.75V2.75H9.46436V1.75H6.46436Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_4270"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">Overview<span class="MuiBox-root css-61plmn">Explore fraud and risk solution</span></span></div></a></li><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/products/identity-verification/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_4540)"><path d="M2.25 2.25H4.75V0.75H1.96429C1.29365 0.75 0.75 1.29365 0.75 1.96429V4.75H2.25V2.25Z" fill="currentColor"></path><path d="M13.75 2.25H11.25V0.75H14.0357C14.7063 0.75 15.25 1.29366 15.25 1.96429V4.75H13.75V2.25Z" fill="currentColor"></path><path d="M2.25 13.75V11.25H0.75V14.0357C0.75 14.7063 1.29366 15.25 1.96429 15.25H4.75V13.75H2.25Z" fill="currentColor"></path><path d="M13.75 13.75V11.25H15.25V14.0357C15.25 14.7063 14.7063 15.25 14.0357 15.25H11.25V13.75H13.75Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M5.5 6.25C5.5 4.86929 6.61929 3.75 8 3.75C9.38071 3.75 10.5 4.86929 10.5 6.25C10.5 7.0678 10.1073 7.79389 9.50024 8.25C11.0189 8.25013 12.25 9.4813 12.25 11V11.5H10.75V11C10.75 10.3096 10.1904 9.75 9.5 9.75H6.5C5.80964 9.75 5.25 10.3096 5.25 11V11.5H3.75V11C3.75 9.4813 4.98108 8.25013 6.49976 8.25C5.89267 7.79389 5.5 7.0678 5.5 6.25ZM8 5.25C7.44772 5.25 7 5.69772 7 6.25C7 6.80228 7.44772 7.25 8 7.25C8.55228 7.25 9 6.80228 9 6.25C9 5.69772 8.55228 5.25 8 5.25Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_4540"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">Identity Verification<span class="MuiBox-root css-61plmn">Global KYC and anti-fraud</span></span></div></a></li><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/products/beacon/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_4531)"><path d="M6.98873 0.315466C7.32004 0.27225 7.65761 0.25 8 0.25C8.34239 0.25 8.67996 0.27225 9.01127 0.315466L8.81726 1.80287C8.55011 1.76802 8.27735 1.75 8 1.75C7.72265 1.75 7.44989 1.76802 7.18274 1.80287L6.98873 0.315466Z" fill="currentColor"></path><path d="M8 15.75C7.65761 15.75 7.32004 15.7277 6.98873 15.6845L7.18275 14.1971C7.44989 14.232 7.72265 14.25 8 14.25C8.27735 14.25 8.55011 14.232 8.81726 14.1971L9.01127 15.6845C8.67996 15.7277 8.34239 15.75 8 15.75Z" fill="currentColor"></path><path d="M5.0332 15.1616C4.40273 14.9002 3.81457 14.5581 3.28152 14.1485L4.19551 12.9591C4.62582 13.2898 5.10007 13.5655 5.60778 13.776L5.0332 15.1616Z" fill="currentColor"></path><path d="M3.28152 1.85151C3.81457 1.44188 4.40273 1.09981 5.03319 0.838369L5.60778 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1014.25 11.6354 14.25 8.11111C14.25 6.52978 13.6844 5.08687 12.75 3.97652V10.0979C12.75 11.0797 11.6701 11.6782 10.8375 11.1579L8 9.38444L5.1625 11.1579C4.32994 11.6782 3.25 11.0797 3.25 10.0979V3.97652Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_4558"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">Transactions<span class="MuiBox-root css-61plmn">Up to 24 months of categorized data</span></span></div></a></li><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/products/investments/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_4333)"><path d="M12.3785 6.06033L14.6102 2.93594L13.3896 2.06409L11.2921 5.00066L9.78164 4.09439C9.22281 3.75909 8.50014 3.90939 8.12135 4.4397L6.2921 7.00066L4.78164 6.09439C4.22281 5.75909 3.50014 5.90939 3.12135 6.4397L0.889648 9.56409L2.11025 10.4359L4.2078 7.49937L5.71826 8.40565C6.27709 8.74094 6.99975 8.59064 7.37855 8.06033L9.2078 5.49937L10.7183 6.40565C11.2771 6.74094 11.9998 6.59064 12.3785 6.06033Z" fill="currentColor"></path><path d="M15 12.25H1V13.75H15V12.25Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_4333"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">Investments<span class="MuiBox-root css-61plmn">Retirement, brokerage, and crypto data</span></span></div></a></li><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/products/liabilities/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_3854)"><path d="M13.25 1V11.5H14.75V1H13.25Z" fill="currentColor"></path><path d="M1.25 11.5V8H2.75V11.5H1.25Z" fill="currentColor"></path><path d="M0 13.25H16V14.75H0V13.25Z" fill="currentColor"></path><path d="M6.75 3.5V11.5H5.25V3.5H6.75Z" fill="currentColor"></path><path d="M10.75 11.5V5.5H9.25V11.5H10.75Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_3854"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">
10Liabilities<span class="MuiBox-root css-61plmn">Credit card and mortgage data</span></span></div></a></li><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/products/enrich/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_4738)"><path d="M10.9999 6C10.9999 6.55228 10.5522 7 9.99988 7C9.44759 7 8.99988 6.55228 8.99988 6C8.99988 5.44772 9.44759 5 9.99988 5C10.5522 5 10.9999 5.44772 10.9999 6Z" fill="currentColor"></path><path d="M5.96954 7.03033L8.96954 10.0303L10.0302 8.96967L7.0302 5.96967L5.96954 7.03033Z" fill="currentColor"></path><path d="M6.96954 12.0303L3.96954 9.03033L5.0302 7.96967L8.0302 10.9697L6.96954 12.0303Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M8.20703 1.24994C7.87551 1.24994 7.55757 1.38163 7.32315 1.61605L0.823148 8.11606C0.334992 8.60421 0.334992 9.39567 0.823148 9.88382L6.11604 15.1767C6.6042 15.6649 7.39565 15.6649 7.88381 15.1767L14.3838 8.67672C14.6182 8.4423 14.7499 8.12435 14.7499 7.79283V2.49994C14.7499 1.80958 14.1903 1.24994 13.4999 1.24994H8.20703ZM2.06058 8.99994L8.31059 2.74994H13.2499V7.68928L6.99992 13.9393L2.06058 8.99994Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_4738"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">Enrich<span class="MuiBox-root css-61plmn">Cleanse and categorize internal transactions</span></span></div></a></li></ul></li><li class="css-1lwrckp"><button aria-expanded="false" aria-controls="main-menu-item-042-menu" class="css-1l2x1ad">Credit underwriting<span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-gjnjl3" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_3962)"><path d="M14.0303 6.53027L8 12.5605L1.96973 6.53027L3.03027 5.46973L8 10.4395L12.9697 5.46973L14.0303 6.53027Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_3962"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></button><ul id="main-menu-item-042-menu" class="css-tgr9go"><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/industries/consumer-lending/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_4027)"><path d="M11.5 7.75H7V6.25H11.5V7.75Z" fill="currentColor"></path><path d="M7 11.25H11.5V9.75H7V11.25Z" fill="currentColor"></path><path d="M6 7C6 7.55228 5.55228 8 5 8C4.44772 8 4 7.55228 4 7C4 6.44772 4.44772 6 5 6C5.55228 6 6 6.44772 6 7Z" fill="currentColor"></path><path d="M5 11.5C5.55228 11.5 6 11.0523 6 10.5C6 9.94771 5.55228 9.5 5 9.5C4.44772 9.5 4 9.94771 4 10.5C4 11.0523 4.44772 11.5 5 11.5Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M11.225 1.25H13.5C14.1904 1.25 14.75 1.80964 14.75 2.5V14C14.75 14.6904 14.1904 15.25 13.5 15.25H2.5C1.80964 15.25 1.25 14.6904 1.25 14V2.5C1.25 1.80964 1.80964 1.25 2.5 1.25H4.775C4.89082 0.67944 5.39526 0.25 6 0.25H10C10.6047 0.25 11.1092 0.67944 11.225 1.25ZM4.75 2.75H2.75V13.75H13.25V2.75H11.25V3C11.25 3.69036 10.6904 4.25 10 4.25H6C5.30964 4.25 4.75 3.69036 4.75 3V2.75ZM6.25 2.75V1.75H9.75V2.75H6.25Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_4027"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">Overview<span class="MuiBox-root css-61plmn">Explore our credit underwriting solutions</span></span></div></a></li><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/check/income-and-underwriting/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_4810)"><path d="M10.25 11V9H11.75V11H10.25Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M13.9014 5.25L10.7149 0.470276L9.5 1.25127V1.25H4C2.48122 1.25 1.25 2.48122 1.25 4V12C1.25 13.5188 2.48122 14.75 4 14.75H13.5C14.1904 14.75 14.75 14.1904 14.75 13.5V5.25H13.9014ZM12.0986 5.25L10.2851 2.52977L6.05364 5.25H12.0986ZM3.46577 5.13041C3.04266 4.9301 2.75 4.49923 2.75 4C2.75 3.30964 3.30964 2.75 4 2.75H7.16864L3.46577 5.13041ZM2.75 6.45015V12C2.75 12.6904 3.30964 13.25 4 13.25H13.25V6.75H4C3.54989 6.75 3.12503 6.64186 2.75 6.45015Z" 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105 9.86608 8.40196 11.1472 8.01095 12.264C7.80334 12.8977 7.08711 13.2408 6.46311 13.0053C5.73586 12.7307 5.36384 11.7087 4.88541 11.1976C4.45993 10.7431 4.04806 10.4999 3.625 10.4999C3.06706 10.4999 2.59166 10.429 2.18896 10.3055C3.1065 12.6162 5.36245 14.25 8 14.25C9.64587 14.25 11.1432 13.6138 12.2593 12.5739C12.5824 11.9153 12.5779 11.529 12.5148 11.3006C12.3154 10.5788 11.3622 10.214 10.8175 9.80584C10.4588 9.53698 9.96502 9.09703 9.90525 8.40406C9.7994 7.61387 10.0297 6.80969 10.6072 6.23217C11.0761 5.76333 11.712 5.49994 12.375 5.49994H13.7299C12.7655 3.29259 10.5629 1.75 8 1.75ZM14.1704 6.99994H12.375C11.8332 6.99994 11.3791 7.45061 11.375 7.99233C11.3929 8.68308 12.3905 9.02532 12.8712 9.40025C13.1909 9.64958 13.5335 9.97521 13.7666 10.4144C14.078 9.67156 14.25 8.85587 14.25 8C14.25 7.65961 14.2228 7.32557 14.1704 6.99994ZM1.75001 7.98643C1.75372 6.24126 2.4727 4.66403 3.62936 3.53233C4.43923 3.6414 5.21075 3.9346 5.93465 4.30609C5.30695 4.67921 4.59759 5.03037 4.07788 5.55454C3.63051 6.00575 3.54708 6.59865 3.82918 7.16286C4.51529 8.53507 6.1208 7.38467 7.06743 8.08782C7.70157 8.55886 6.9515 10.6163 6.781 11.1927C6.56294 10.8777 6.28725 10.5003 5.98052 10.1726C5.4457 9.6012 4.66319 8.99994 3.625 8.99994C2.96527 8.99994 1.84153 8.8415 1.75086 7.99524L1.75001 7.98643Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_4153"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">Open finance</span></div></a></li><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/use-cases/fraud-and-risk-prevention/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_4675)"><path d="M11.5303 5.53026L10.4696 4.4696L6.99993 7.93927L5.53026 6.4696L4.4696 7.53026L6.99993 10.0606L11.5303 5.53026Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M8.3031 0.302702C8.10405 0.25294 7.89581 0.25294 7.69676 0.302704L2.19683 1.6777C1.64037 1.81682 1.25 2.3168 1.25 2.89038V11.2128C1.25 11.6574 1.48614 12.0685 1.87016 12.2925L7.37009 15.5009C7.75929 15.7279 8.24056 15.7279 8.62977 15.5009L14.1298 12.2925C14.5139 12.0685 14.75 11.6574 14.75 11.2128V2.89038C14.75 2.3168 14.3596 1.81682 13.8032 1.6777L8.3031 0.302702ZM2.75 3.08557L7.99993 1.77307L13.25 3.08558V11.0692L7.99994 14.1317L2.75 11.0692V3.08557Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_4675"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">Fraud &amp; risk prevention</span></div></a></li><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/use-cases/instant-onboarding-identity-verification/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_4540)"><path d="M2.25 2.25H4.75V0.75H1.96429C1.29365 0.75 0.75 1.29365 0.75 1.96429V4.75H2.25V2.25Z" fill="currentColor"></path><path d="M13.75 2.25H11.25V0.75H14.0357C14.7063 0.75 15.25 1.29366 15.25 1.96429V4.75H13.75V2.25Z" fill="currentColor"></path><path d="M2.25 13.75V11.25H0.75V14.0357C0.75 14.7063 1.29366 15.25 1.96429 15.25H4.75V13.75H2.25Z" fill="currentColor"></path><path d="M13.75 13.75V11.25H15.25V14.0357C15.25 14.7063 14.7063 15.25 14.0357 15.25H11.25V13.75H13.75Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M5.5 6.25C5.5 4.86929 6.61929 3.75 8 3.75C9.38071 3.75 10.5 4.86929 10.5 6.25C10.5 7.0678 10.1073 7.79389 9.50024 8.25C11.0189 8.25013 12.25 9.4813 12.25 11V11.5H10.75V11C10.75 10.3096 10.1904 9.75 9.5 9.75H6.5C5.80964 9.75 5.25 10.3096 5.25 11V11.5H3.75V11C3.75 9.4813 4.98108 8.25013 6.49976 8.25C5.89267 7.79389 5.5 7.0678 5.5 6.25ZM8 5.25C7.44772 5.25 7 5.69772 7 6.25C7 6.80228 7.44772 7.25 8 7.25C8.55228 7.25 9 6.80228 9 6.25C9 5.69772 8.55228 5.25 8 5.25Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_4540"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">Onboarding &amp; identity verification</span></div></a></li><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/use-cases/kyc-aml-compliance/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_4792)"><path fill-rule="evenodd" clip-rule="evenodd" d="M2.25 4C2.25 2.48122 3.48122 1.25 5 1.25C6.51878 1.25 7.75 2.48122 7.75 4C7.75 5.51878 6.51878 6.75 5 6.75C3.48122 6.75 2.25 5.51878 2.25 4ZM5 2.75C4.30964 2.75 3.75 3.30964 3.75 4C3.75 4.69036 4.30964 5.25 5 5.25C5.69036 5.25 6.25 4.69036 6.25 4C6.25 3.30964 5.69036 2.75 5 2.75Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M11 4.25C9.48122 4.25 8.25 5.48122 8.25 7C8.25 8.51878 9.48122 9.75 11 9.75C12.5188 9.75 13.75 8.51878 13.75 7C13.75 5.48122 12.5188 4.25 11 4.25ZM9.75 7C9.75 6.30964 10.3096 5.75 11 5.75C11.6904 5.75 12.25 6.30964 12.25 7C12.25 7.69036 11.6904 8.25 11 8.25C10.3096 8.25 9.75 7.69036 9.75 7Z" fill="currentColor"></path><path d="M9 10.25C7.48122 10.25 6.25 11.4812 6.25 13V14H7.75V13C7.75 12.3096 8.30964 11.75 9 11.75H13C13.6904 11.75 14.25 12.3096 14.25 13V14H15.75V13C15.75 11.4812 14.5188 10.25 13 10.25H9Z" fill="currentColor"></path><path d="M3 7.25C1.48122 7.25 0.25 8.48122 0.25 10V11H1.75V10C1.75 9.30964 2.30964 8.75 3 8.75H7V7.25H3Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_4792"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">KYC &amp; AML compliance</span></div></a></li><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/check/income-and-underwriting/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_4810)"><path d="M10.25 11V9H11.75V11H10.25Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M13.9014 5.25L10.7149 0.470276L9.5 1.25127V1.25H4C2.48122 1.25 1.25 2.48122 1.25 4V12C1.25 13.5188 2.48122 14.75 4 14.75H13.5C14.1904 14.75 14.75 14.1904 14.75 13.5V5.25H13.9014ZM12.0986 5.25L10.2851 2.52977L6.05364 5.25H12.0986ZM3.46577 5.13041C3.04266 4.9301 2.75 4.49923 2.75 4C2.75 3.30964 3.30964 2.75 4 2.75H7.16864L3.46577 5.13041ZM2.75 6.45015V12C2.75 12.6904 3.30964 13.25 4 13.25H13.25V6.75H4C3.54989 6.75 3.12503 6.64186 2.75 6.45015Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_4810"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">Income verification &amp; underwriting</span></div></a></li><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/use-cases/inbound-bank-payments/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_4360)"><path d="M8.00006 2.06065L4.53039 5.53032L3.46973 4.46966L7.11617 0.823209C7.60433 0.335053 8.39579 0.335054 8.88394 0.823209L15.1768 7.1161C15.665 7.60426 15.665 8.39571 15.1768 8.88387L8.88394 15.1768C8.395
1078 15.6649 7.60433 15.6649 7.11617 15.1768L3.46973 11.5303L4.53039 10.4697L8.00006 13.9393L13.9394 7.99999L8.00006 2.06065Z" fill="currentColor"></path><path d="M7.68939 8.75H1V7.25H7.6894L6.46973 6.03033L7.53039 4.96967L10.5607 8L7.53039 11.0303L6.46973 9.96967L7.68939 8.75Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_4360"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">Inbound bank payments</span></div></a></li><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/use-cases/outbound-bank-payments/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_4369)"><path d="M8.24974 2.06065L6.28007 4.03032L5.21941 2.96966L7.36586 0.823209C7.85401 0.335052 8.64547 0.335054 9.13362 0.823209L15.4265 7.1161C15.9147 7.60426 15.9147 8.39571 15.4265 8.88387L9.13362 15.1768C8.64546 15.6649 7.85401 15.6649 7.36586 15.1768L5.21941 13.0303L6.28007 11.9697L8.24974 13.9393L14.1891 7.99999L8.24974 2.06065Z" fill="currentColor"></path><path d="M3.06028 7.25H10.2497V8.75H3.06029L4.27995 9.96967L3.21929 11.0303L0.188965 8L3.21929 4.96967L4.27995 6.03033L3.06028 7.25Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_4369"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">Outbound bank payments</span></div></a></li><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/use-cases/personal-financial-insights/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_4162)"><path d="M6.85706 10.775L11.3874 6.24462L10.3267 5.18396L6.85706 8.65363L5.10168 6.89825L4.04102 7.95891L6.85706 10.775Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M1.15715 1.26666C0.697518 1.16816 0.25 1.52994 0.25 2.00001V12.5C0.25 12.8537 0.49705 13.1593 0.842853 13.2334L7.84285 14.7334C7.94644 14.7556 8.05356 14.7556 8.15715 14.7334L15.1571 13.2334C15.5029 13.1593 15.75 12.8537 15.75 12.5V2.00001C15.75 1.52995 15.3025 1.16816 14.8429 1.26666L8 2.73298L1.15715 1.26666ZM1.75 11.8937V2.92775L7.84285 4.23336C7.94644 4.25556 8.05356 4.25556 8.15715 4.23336L14.25 2.92775V11.8937L8 13.233L1.75 11.8937Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_4162"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">Personal financial management</span></div></a></li><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/use-cases/business-financial-management/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_4333)"><path d="M12.3785 6.06033L14.6102 2.93594L13.3896 2.06409L11.2921 5.00066L9.78164 4.09439C9.22281 3.75909 8.50014 3.90939 8.12135 4.4397L6.2921 7.00066L4.78164 6.09439C4.22281 5.75909 3.50014 5.90939 3.12135 6.4397L0.889648 9.56409L2.11025 10.4359L4.2078 7.49937L5.71826 8.40565C6.27709 8.74094 6.99975 8.59064 7.37855 8.06033L9.2078 5.49937L10.7183 6.40565C11.2771 6.74094 11.9998 6.59064 12.3785 6.06033Z" fill="currentColor"></path><path d="M15 12.25H1V13.75H15V12.25Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_4333"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">Business financial management</span></div></a></li><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/use-cases/earned-wage-access/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_4225)"><path d="M10.5 6.5C10.5 7.05228 10.0523 7.5 9.5 7.5C8.94771 7.5 8.5 7.05228 8.5 6.5C8.5 5.94771 8.94771 5.5 9.5 5.5C10.0523 5.5 10.5 5.94771 10.5 6.5Z" fill="currentColor"></path><path d="M11.75 4.5H13.25V8.5H11.75V4.5Z" fill="currentColor"></path><path d="M7.25 8.5V4.5L5.75 4.5V8.5H7.25Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M3.25 1.75H15.75V11.25H3.25V1.75ZM4.75 3.25V9.75H14.25V3.25H4.75Z" fill="currentColor"></path><path d="M1.75 12.75V5.5H0.25V14.25H13V12.75H1.75Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_4225"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">Earned wage access</span></div></a></li></ul></li><li class="css-1lwrckp"><button aria-expanded="false" aria-controls=":Rlb5ad5m:-menu" class="css-1l2x1ad">Industries<span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-gjnjl3" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_3962)"><path d="M14.0303 6.53027L8 12.5605L1.96973 6.53027L3.03027 5.46973L8 10.4395L12.9697 5.46973L14.0303 6.53027Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_3962"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></button><ul id=":Rlb5ad5m:-menu" class="css-tgr9go"><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/industries/ai/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_28278_502)"><path d="M12.2125 4.03123L12.5938 4.98448C12.7405 5.35116 13.2595 5.35116 13.4062 4.98448L13.7875 4.03123C13.832 3.92006 13.9201 3.83197 14.0312 3.7875L14.9845 3.40621C15.3512 3.25953 15.3512 2.74046 14.9845 2.59379L14.0312 2.21249C13.9201 2.16802 13.832 2.07993 13.7875 1.96876L13.4062 1.01552C13.2595 0.648829 12.7405 0.648829 12.5938 1.01552L12.2125 1.96876C12.168 2.07993 12.0799 2.16802 11.9688 2.21249L11.0155 2.59379C10.
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16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_4027)"><path d="M11.5 7.75H7V6.25H11.5V7.75Z" fill="currentColor"></path><path d="M7 11.25H11.5V9.75H7V11.25Z" fill="currentColor"></path><path d="M6 7C6 7.55228 5.55228 8 5 8C4.44772 8 4 7.55228 4 7C4 6.44772 4.44772 6 5 6C5.55228 6 6 6.44772 6 7Z" fill="currentColor"></path><path d="M5 11.5C5.55228 11.5 6 11.0523 6 10.5C6 9.94771 5.55228 9.5 5 9.5C4.44772 9.5 4 9.94771 4 10.5C4 11.0523 4.44772 11.5 5 11.5Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M11.225 1.25H13.5C14.1904 1.25 14.75 1.80964 14.75 2.5V14C14.75 14.6904 14.1904 15.25 13.5 15.25H2.5C1.80964 15.25 1.25 14.6904 1.25 14V2.5C1.25 1.80964 1.80964 1.25 2.5 1.25H4.775C4.89082 0.67944 5.39526 0.25 6 0.25H10C10.6047 0.25 11.1092 0.67944 11.225 1.25ZM4.75 2.75H2.75V13.75H13.25V2.75H11.25V3C11.25 3.69036 10.6904 4.25 10 4.25H6C5.30964 4.25 4.75 3.69036 4.75 3V2.75ZM6.25 2.75V1.75H9.75V2.75H6.25Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_4027"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">Consumer lending</span></div></a></li><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/industries/gaming/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_19852_33149)"><path d="M6.5 5.5C6.5 6.05228 6.05228 6.5 5.5 6.5C4.94772 6.5 4.5 6.05228 4.5 5.5C4.5 4.94772 4.94772 4.5 5.5 4.5C6.05228 4.5 6.5 4.94772 6.5 5.5Z" fill="currentColor"></path><path d="M11.5 5.5C11.5 6.05228 11.0523 6.5 10.5 6.5C9.94771 6.5 9.5 6.05228 9.5 5.5C9.5 4.94772 9.94771 4.5 10.5 4.5C11.0523 4.5 11.5 4.94772 11.5 5.5Z" fill="currentColor"></path><path d="M6.5 10.5C6.5 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css-0" href="/industries/government-public-sector/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_3908)"><path d="M13 5.75H9V4.25H13V5.75Z" fill="currentColor"></path><path d="M13 8.75H9V7.25H13V8.75Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M6.25 1.5C6.25 0.809643 6.80964 0.25 7.5 0.25H14.5C15.1904 0.25 15.75 0.809644 15.75 1.5V14.5C15.75 15.1904 15.1904 15.75 14.5 15.75H1.5C0.809645 15.75 0.25 15.1904 0.25 14.5V7.5C0.25 6.80964 0.809644 6.25 1.5 6.25H6.25V1.5ZM6.25 7.75H1.75V14.25H6.25V7.75ZM7.75 14.25H10.25V12H11.75V14.25H14.25V1.75H7.75V14.25Z" fill="currentColor"></path></g><defs><clipPath id="clip0_611_3908"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span 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viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_27124_82)"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 0.25C12.2802 0.25 15.75 3.71979 15.75 8V8.99902C15.7498 9.55708 15.1621 9.91943 14.6631 9.66992L13.7168 9.19727C13.2392 8.95849 12.6823 8.93463 12.1865 9.13281L11.1504 9.54785C10.7332 9.71474 10.2668 9.71474 9.84961 9.54785L9.20703 9.29102C9.05782 9.23133 8.90458 9.18611 8.75 9.14941V13.5C8.75 14.7426 7.74264 15.75 6.5 15.75C5.25736 15.75 4.25 14.7426 4.25 13.5V13.1338H5.75V13.5C5.75 13.9142 6.08579 14.25 6.5 14.25C6.91421 14.25 7.25 13.9142 7.25 13.5V9.14941C7.09542 9.18611 6.94218 9.23133 6.79297 9.29102L6.15039 9.54785C5.73317 9.71474 5.26683 9.71474 4.84961 9.54785L3.81348 9.13281C3.31772 8.93463 2.76075 8.95849 2.2832 9.19727L1.33691 9.66992C0.838093 9.91933 0.250223 9.5573 0.25 8.99902V8C0.25 3.71979 3.71979 0.25 8 0.25ZM8 1.95703C6.96873 2.83733 6.54781 3.69086 6.36133 4.64355C6.25028 5.21114 6.21875 5.83513 6.21875 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fill="currentColor"></path></g><defs><clipPath id="clip0_27124_82"><rect width="16" height="16" fill="currentColor"></rect></clipPath></defs></svg><!--/$--></span></span><span class="MuiBox-root css-8tremo">Insurance</span></div></a></li><li class="css-1lwrckp"><a class="Link_default__j2D2I css-0" href="/industries/mortgage/"><div class="css-ibgeem"><span class="css-4mjv7g"><span class="icon-container"><!--$--><svg width="16" height="16" focusable="false" aria-hidden="true" role="img" class="css-13sjdh2" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_611_4288)"><path d="M4.99977 5.5C5.55206 5.5 5.99977 5.05228 5.99977 4.5C5.99977 3.94772 5.55206 3.5 4.99977 3.5C4.44749 3.5 3.99977 3.94772 3.99977 4.5C3.99977 5.05228 4.44749 5.5 4.99977 5.5Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M2.13782 1.64124C0.282835 3.49623 0.282835 6.50377 2.13782 8.35876C3.06518 9.28611 4.28212 9.75 5.49659 9.75H6.68593L8.24659 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10<h2 class="PostCard_title__G0zcD">Plinterns wrapped: Summer 2026</h2><div class="PostCard_meta__e30e_"><span class="PostCard_date__f3eTE">Sep 8, 2026</span></div></div><a class="PostCard_cardLink__S0J2S css-0" aria-label="Plinterns wrapped: Summer 2026" href="/blog/plinterns-wrapped-summer-2026/"></a></div><div class="PostCard_card__OlS_j"><div class="PostCard_imageWrapper__zeBUe"><div class="lazyload-wrapper "><div style="height:100%" class="lazyload-placeholder"></div></div></div><div class="PostCard_body__qmKJp"><h2 class="PostCard_title__G0zcD">Plaid Product Updates - August 2026</h2><div class="PostCard_meta__e30e_"><span class="PostCard_date__f3eTE">Aug 12, 2026</span></div></div><a class="PostCard_cardLink__S0J2S css-0" aria-label="Plaid Product Updates - August 2026" href="/blog/product-updates-august-2026/"></a></div><div class="PostCard_card__OlS_j"><div class="PostCard_imageWrapper__zeBUe"><div class="lazyload-wrapper "><div style="height:100%" class="lazyload-placeholder"></div></div></div><div class="PostCard_body__qmKJp"><h2 class="PostCard_title__G0zcD">Plaid and Sierra partner to move AI agents from conversations to business outcomes </h2><div class="PostCard_meta__e30e_"><span class="PostCard_date__f3eTE">Aug 3, 2026</span></div></div><a class="PostCard_cardLink__S0J2S css-0" aria-label="Plaid and Sierra partner to move AI agents from conversations to business outcomes " href="/blog/plaid-link-inside-sierra-ai-agents/"></a></div><div class="PostCard_card__OlS_j"><div class="PostCard_imageWrapper__zeBUe"><div class="lazyload-wrapper "><div style="height:100%" class="lazyload-placeholder"></div></div></div><div class="PostCard_body__qmKJp"><h2 class="PostCard_title__G0zcD">Faster resolution, clearer visibility: the new Plaid Dashboard</h2><div class="PostCard_meta__e30e_"><span class="PostCard_date__f3eTE">Jul 16, 2026</span></div></div><a class="PostCard_cardLink__S0J2S css-0" aria-label="Faster resolution, clearer visibility: the new Plaid Dashboard" href="/blog/plaid-dashboard-institution-insights-support-updates/"></a></div><div class="PostCard_card__OlS_j"><div class="PostCard_imageWrapper__zeBUe"><div class="lazyload-wrapper "><div style="height:100%" class="lazyload-placeholder"></div></div></div><div class="PostCard_body__qmKJp"><h2 class="PostCard_title__G0zcD">Product Updates - July 2026</h2><div class="PostCard_meta__e30e_"><span class="PostCard_date__f3eTE">Jul 15, 2026</span></div></div><a class="PostCard_cardLink__S0J2S css-0" aria-label="Product Updates - July 2026" href="/blog/product-updates-july-2026/"></a></div><div class="PostCard_card__OlS_j"><div class="PostCard_imageWrapper__zeBUe"><div class="lazyload-wrapper "><div style="height:100%" class="lazyload-placeholder"></div></div></div><div class="PostCard_body__qmKJp"><h2 class="PostCard_title__G0zcD">New account fraud prevention: feature updates in Plaid IDV</h2><div class="PostCard_meta__e30e_"><span class="PostCard_date__f3eTE">Jul 14, 2026</span></div></div><a class="PostCard_cardLink__S0J2S css-0" aria-label="New account fraud prevention: feature updates in Plaid IDV" href="/blog/new-account-fraud-prevention-features-idv/"></a></div><div class="PostCard_card__OlS_j"><div class="PostCard_imageWrapper__zeBUe"><div class="lazyload-wrapper "><div style="height:100%" class="lazyload-placeholder"></div></div></div><div class="PostCard_body__qmKJp"><h2 class="PostCard_title__G0zcD">Consumer Choice, Consumer Protection, and the Future of Finance</h2><div class="PostCard_meta__e30e_"><span class="PostCard_date__f3eTE">Jul 1, 2026</span></div></div><a class="PostCard_cardLink__S0J2S css-0" aria-label="Consumer Choice, Consumer Protection, and the Future of Finance" href="/blog/open-banking-consumer-protection/"></a></div><div class="PostCard_card__OlS_j"><div class="PostCard_imageWrapper__zeBUe"><div class="lazyload-wrapper "><div style="height:100%" class="lazyload-placeholder"></div></div></div><div class="PostCard_body__qmKJp"><h2 class="PostCard_title__G0zcD">Learning the grammar of money with a sequential foundation model</h2><div class="PostCard_meta__e30e_"><span class="PostCard_date__f3eTE">Jun 25, 2026</span></div></div><a class="PostCard_cardLink__S0J2S css-0" aria-label="Learning the grammar of money with a sequential foundation model" href="/blog/sequential-foundation-model/"></a></div><div class="PostCard_card__OlS_j"><div class="PostCard_imageWrapper__zeBUe"><div class="lazyload-wrapper "><div style="height:100%" class="lazyload-placeholder"></div></div></div><div class="PostCard_body__qmKJp">
10<h2 class="PostCard_title__G0zcD">AI in finance: How U.S. and UK consumers stack up</h2><div class="PostCard_meta__e30e_"><span class="PostCard_date__f3eTE">Jun 16, 2026</span></div></div><a class="PostCard_cardLink__S0J2S css-0" aria-label="AI in finance: How U.S. and UK consumers stack up" href="/blog/state-of-intelligent-finance-us-vs-uk/"></a></div><div class="PostCard_card__OlS_j"><div class="PostCard_imageWrapper__zeBUe"><div class="lazyload-wrapper "><div style="height:100%" class="lazyload-placeholder"></div></div></div><div class="PostCard_body__qmKJp"><h2 class="PostCard_title__G0zcD">Product Updates - June 2026</h2><div class="PostCard_meta__e30e_"><span class="PostCard_date__f3eTE">Jun 10, 2026</span></div></div><a class="PostCard_cardLink__S0J2S css-0" aria-label="Product Updates - June 2026" href="/blog/product-updates-june-2026/"></a></div><div class="PostCard_card__OlS_j"><div class="PostCard_imageWrapper__zeBUe"><div class="lazyload-wrapper "><div style="height:100%" 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10<script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"formOutageNotice":null,"fields":{"metaTitle":"Blog","heading":"The latest from Plaid","metaDescription":"Plaid.com blog"},"posts":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"2Y2oxUhvL5p9isiLBuVWJ0","type":"Entry","createdAt":"2026-09-21T14:45:23.170Z","updatedAt":"2026-09-21T15:40:44.817Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":29,"revision":2,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"blogPostTemplate"}},"locale":"en-US"},"fields":{"metaTitle":"Tailor your identity verification: new controls in Plaid IDV","pageSlug":"plaid-identity-verification-feature-updates","metaDescription":"Explore new Plaid Identity Verification features for configurable fraud prevention, reporting, location insights, and accessible verification flows.","bannerImage":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"64IumcwzIqS2n0XcMLBHcJ","type":"Asset","createdAt":"2026-07-14T00:28:15.660Z","updatedAt":"2026-07-14T00:28:15.660Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"locale":"en-US"},"fields":{"title":"IDV blog banner","description":"","file":{"url":"https://images.ctfassets.net/zucqsg1ttqqy/64IumcwzIqS2n0XcMLBHcJ/122d4ce4efbe38009c232bb1c3b50056/IDV_blog_banner.png?q=70\u0026fm=webp","details":{"size":3009590,"image":{"width":5120,"height":586}},"fileName":"IDV blog banner.png","contentType":"image/png"}}},"openGraphImage":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"1IbNXw1vEhGnpwhezPYytA","type":"Asset","createdAt":"2026-09-21T15:40:36.177Z","updatedAt":"2026-09-21T15:40:36.177Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"locale":"en-US"},"fields":{"title":"IDV sept blog","description":"","file":{"url":"https://images.ctfassets.net/zucqsg1ttqqy/1IbNXw1vEhGnpwhezPYytA/aaa80433b8fd8991493454ace408dd3b/IDV_Sept_blog_open_graph.png?q=70\u0026fm=webp","details":{"size":2748536,"image":{"width":2400,"height":1260}},"fileName":"IDV Sept blog open graph.png","contentType":"image/png"}}},"excerpt":"Explore new Plaid Identity Verification features for configurable fraud prevention, reporting, location insights, and accessible verification flows.","authors":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"3gXMENdfmprzxLqOiTBMFB","type":"Entry","createdAt":"2026-09-18T18:07:47.861Z","updatedAt":"2026-09-18T18:07:47.861Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"author"}},"locale":"en-US"},"fields":{"name":"Ojas Sathe","image":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"4XLE2AcV80u0mZcbT75Kdn","type":"Asset","createdAt":"2026-09-18T18:07:35.928Z","updatedAt":"2026-09-18T18:07:35.928Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":7,"revision":1,"locale":"en-US"},"fields":{"title":"Ojas Sathe","description":"","file":{"url":"https://images.ctfassets.net/zucqsg1ttqqy/4XLE2AcV80u0mZcbT75Kdn/f0a92a2ca11ee15efb7c2b1c4dd7cc64/Ojas_Sathe.png?q=70\u0026fm=webp","details":{"size":1061965,"image":{"width":950,"height":836}},"fileName":"Ojas Sathe.png","contentType":"image/png"}}},"title":"Engineering Manager"}}],"components":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"30vPVafI3JqFoVS7bzc3Q6","type":"Entry","createdAt":"2026-09-18T21:16:11.901Z","updatedAt":"2026-09-18T21:16:11.901Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":45,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"richTextComponent"}},"locale":"en-US"},"fields":{"internalTitle":"Optimize your fraud risk strategy: better configuration with Plaid IDV","body":{"nodeType":"document","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Every organization's risk appetite is different, and so is the workflow needed to support it. A neobank onboarding thousands of users a day might accept a higher tolerance for false positives to keep signups fast, while a mortgage lender handling six-figure transactions wants borderline sessions escalated for a closer look. Even two companies in the same industry can land on completely different thresholds, escalation logic, and reporting needs depending on their user base, regulatory expos: ure, and appetite for friction. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Plaid","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/products/identity-verification/"},"content":[{"nodeType":"text","value":" ","marks":[],"data":{}},{"nodeType":"text","value":"Identity Verification","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" (IDV) has always let you build custom templates and workflows to match your program — that's the foundation. Our latest roun
10d of updates pushes that same configurability deeper into the layers underneath: the risk logic that decides when a session escalates, the reports that show what happened, and the channels used to reach your users. And because configurability is only useful if you can see what it's doing, several of these updates also pair that control with the visibility to use it with confidence — so you're not left guessing how a change will play out after you've already made it.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Here's a roundup of the latest enhancements for Plaid IDV.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Configure your risk logic, and see the impact before you commit","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Escalate on the risk factors that matter to you","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Risk-based escalation in IDV has historically relied on a single Trust Index threshold — a broad, useful signal, but a blunt instrument. It couldn't express the kind of nuanced policy most fraud teams actually want, like escalating based on certain document types or behavioral risk signals. The result: customers either applied the same coarse cutoff to every session, or sent more users through extra verification steps than necessary.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"With ","marks":[],"data":{}},{"nodeType":"text","value":"Rule Group Escalations","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":", you can now choose Trust Index Threshold or Rule Groups as your workflow's escalation mechanism, and configure ordered Rule Groups independently after Data Source Verification and Document Verification. The first Rule Group that matches escalates the session to the next verification step; no match means the session continues normally. That opens up policies that weren't possible before and uses the same Risk Engine rules your team already knows and maintains, instead of learning a second scoring system just for escalation.","marks":[],"data":{}}]},{"nodeType":"embedded-asset-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"fbVLF8FEa4wCb7XtD7XC4","type":"Asset","createdAt":"2026-09-18T18:12:57.726Z","updatedAt":"2026-09-18T18:12:57.726Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"locale":"en-US"},"fields":{"title":"Protect/IDV - Rule group escalations","description":"","file":{"url":"https://images.ctfassets.net/zucqsg1ttqqy/fbVLF8FEa4wCb7XtD7XC4/0c9a0bab3b39ce1259b5a31b4a0461f3/Protect_IDV_-_Rule_group_escalations.png","details":{"size":382097,"image":{"width":1084,"height":970}},"fileName":"Protect:IDV - Rule group escalations.png","contentType":"image/png"}}}},"content":[]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Know how a rule change will play out before you publish it","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Fraud and risk teams have told us for years that tuning IDV rules feels like flying blind — you make a change to a Data Source or Risk Check rule and won't know what it actually did to your pass rate until it's already live and users are moving through it.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Pass Rate Preview","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":", now live in Protect Configure, closes that gap. It shows your overall and per-check pass rates for US sessions based on a 30-day lookback, and — more importantly —","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/docs/changelog/#:~:text=Added%20pass%20rate%20previews%20to%20the%20Dashboard%20Protect%20template%20editor%2C%20allowing%2
100you%20to%20preview%20the%20projected%20impact%20of%20changes%20to%20the%20template."},"content":[{"nodeType":"text","value":" lets you preview","marks":[],"data":{}}]},{"nodeType":"text","value":" how a ","marks":[],"data":{}},{"nodeType":"text","value":"draft","marks":[{"type":"italic"}],"data":{}},{"nodeType":"text","value":" change to a Data Source or Risk Check rule would shift those numbers before you publish anything. The feature currently covers standard checks, including documentary fallbacks, with support for additional signals and non-US sessions on the roadmap. No more guessing how a configuration change is going to land.","marks":[],"data":{}}]},{"nodeType":"embedded-asset-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"6njqCCIhtHfyuSTSAVWn2o","type":"Asset","createdAt":"2026-09-18T18:13:43.891Z","updatedAt":"2026-09-18T18:13:43.891Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":5,"revision":1,"locale":"en-US"},"fields":{"title":"Protect/IDV - Pass rate preview","description":"","file":{"url":"https://images.ctfassets.net/zucqsg1ttqqy/6njqCCIhtHfyuSTSAVWn2o/3ab7da641c83726c56f656b0cb9f3a32/Protect_IDV_-_Pass_rate_preview.png","details":{"size":486744,"image":{"width":1266,"height":970}},"fileName":"Protect:IDV - Pass rate preview.png","contentType":"image/png"}}}},"content":[]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"See the full picture, in the format you actually need","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"One customizable report ","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"If you run multiple workflow templates, generating a usable report used to mean exporting several CSVs and manually combining them yourself — and even then, the exports didn't break out enough detail on Document Verification, Liveness, Risk Check, or custom rule outcomes to fully understand ","marks":[],"data":{}},{"nodeType":"text","value":"why","marks":[{"type":"italic"}],"data":{}},{"nodeType":"text","value":" a session landed where it did.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Improved IDV Reports","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" allows you to ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/docs/changelog/?products=identity-verification%2Cgeneral#:~:text=Improved%20Dashboard%20verification,any%20failed%20rules."},"content":[{"nodeType":"text","value":"export verification sessions","marks":[],"data":{}}]},{"nodeType":"text","value":" across every workflow template in your organization in a single report, and choose exactly which sections to include — Datasource, Document Verification, Liveness, Risk Check, and User PII. PII details are permission-gated, so authorized users can pull identity and contact information without exposing sensitive document, biometric, or provider-specific data to everyone else. Risk Check exports now also surface custom rule outcomes and the names of any rules that failed a session, so investigators get the \"why,\" not just the \"what.\" The net effect: one CSV to analyze your entire IDV program, with only the information relevant to your use case.","marks":[],"data":{}}]},{"nodeType":"embedded-asset-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"5gY4blVI6fzCFx73HemjjP","type":"Asset","createdAt":"2026-09-18T18:14:30.365Z","updatedAt":"2026-09-18T18:14:30.365Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"locale":"en-US"},"fields":{"title":"IDV - Create new report","description":"","file":{"url":"https://images.ctfassets.net/zucqsg1ttqqy/5gY4blVI6fzCFx73HemjjP/d22c9fbf9b328fa97a4656d56c86bed5/IDV_-_Create_new_report.png","details":{"size":173586,"image":{"width":832,"height":968}}
10,"fileName":"IDV - Create new report.png","contentType":"image/png"}}}},"content":[]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Spot anomalies quickly","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Investigating a session often means piecing together location signals scattered across different fields — where's the address on the document, where did the user say they live, where is the connection actually coming from. Individually, none of those data points tell you much. Together, they can be the fastest way to catch a session that doesn't add up.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The new ","marks":[],"data":{}},{"nodeType":"text","value":"Customer Location Map","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" in the IDV dashboard ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/docs/changelog/#:~:text=Added%20a%20map,of%20location%20discrepancy."},"content":[{"nodeType":"text","value":"plots those signals against each other ","marks":[],"data":{}}]},{"nodeType":"text","value":"for a given session — Document Address, Submitted Address, IP Address, and IP Address (VPN) — and shows the distance between them along with a risk level. An IP address in an unexpected country, or a submitted address hundreds of miles from the actual connection point, becomes visible at a glance instead of something you have to notice buried in a table.","marks":[],"data":{}}]},{"nodeType":"embedded-asset-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"7lNGKyVeNZZ9jubUzPiPaW","type":"Asset","createdAt":"2026-07-15T15:39:53.077Z","updatedAt":"2026-07-15T15:39:53.077Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"locale":"en-US"},"fields":{"title":"Customer location map","description":"","file":{"url":"https://images.ctfassets.net/zucqsg1ttqqy/7lNGKyVeNZZ9jubUzPiPaW/2c60de2893a7f1dd84a614cf1b269fb5/IDV_dashboard_-_Customer_location_map.png","details":{"size":651332,"image":{"width":1606,"height":954}},"fileName":"IDV dashboard - Customer location map.png","contentType":"image/png"}}}},"content":[]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Meet your users on their terms","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Not every end user interacts with a phone the same way — and a verification flow built around one default channel or format can quietly leave people behind. Two updates give your users more ways to get through IDV on their own terms.","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Reach users by email, not just SMS","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Hosted verification links have always gone out over SMS. That works well for a lot of use cases, but most businesses don't primarily reach their customers by text — and requiring a phone number just to send a verification link adds friction that has nothing to do with actually verifying someone's identity.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Mailable Verification Links","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" give you the option to ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/docs/changelog/?products=identity-verification%2Cgeneral#:~:text=Added%20the%20ability%20to%20send%20verification%20links%20to%20end%20users%20by%20email%2C%20in%20addition%20to%20SMS."},"content":[{"nodeType":"text","value":"send hosted verification sessions by email","marks":[],"data":{}}]},{"nodeType":"text","value":" instead of, or alongside, SMS. Email also leaves a clearer audit trail and reaches users who don't have a phone on them, have spott
10y cell coverage, or are outside their carrier's coverage area. If your users expect an email and not a text, they can now get one — no extra integration work required.","marks":[],"data":{}}]},{"nodeType":"embedded-asset-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"1phKsRMt7sKfXiqiHPktXh","type":"Asset","createdAt":"2026-09-18T18:16:04.129Z","updatedAt":"2026-09-18T18:16:04.129Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"locale":"en-US"},"fields":{"title":"IDV - Emailable hosted links","description":"","file":{"url":"https://images.ctfassets.net/zucqsg1ttqqy/1phKsRMt7sKfXiqiHPktXh/2c6bf0d6ed1ebdbcd496d20161822de7/IDV_-_Emailable_hosted_links.png","details":{"size":379213,"image":{"width":694,"height":968}},"fileName":"IDV - Emailable hosted links.png","contentType":"image/png"}}}},"content":[]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Let users hear their code instead of reading it","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"SMS one-time codes work well for most people, but not everyone interacts with text messages easily, and that gap in accessibility could stall a verification entirely for some users.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"IDV Phone Call Verification","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" adds a ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/docs/changelog/?products=identity-verification%2Cgeneral#:~:text=Added%20the%20option%20for%20an%20end%20user%20to%20receive%20their%20verification%20code%20by%20phone%20call%20instead%20of%20SMS.%20This%20option%20is%20automatically%20enabled%20in%20the%20Link%20flow%20and%20does%20not%20require%20any%20action%20on%20your%20end."},"content":[{"nodeType":"text","value":"\"Get a phone call instead\"","marks":[],"data":{}}]},{"nodeType":"text","value":" option to the verification flow. Users who choose it receive the same code by phone call, read aloud slowly and repeated several times, instead of by text. It's a small addition with an outsized effect: more users are able to complete verification, and customers get a straightforward way to meet accessibility standards without building anything themselves.","marks":[],"data":{}}]},{"nodeType":"embedded-asset-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"HwJwp1Uiu512Wx0Q7B1dk","type":"Asset","createdAt":"2026-09-18T18:16:54.123Z","updatedAt":"2026-09-18T18:16:54.123Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":5,"revision":1,"locale":"en-US"},"fields":{"title":"IDV - Phone call OTP","description":"","file":{"url":"https://images.ctfassets.net/zucqsg1ttqqy/HwJwp1Uiu512Wx0Q7B1dk/0695e251ecf5087f27610fba7c40fe94/IDV_phone_call_OTP.png","details":{"size":2173091,"image":{"width":3786,"height":2116}},"fileName":"IDV phone call OTP.png","contentType":"image/png"}}}},"content":[]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Configurability that meets you where you are","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"None of these updates require rebuilding your templates or workflows — they build directly on top of the ones you already have, with no new integration work required. They're in the dashboard today, which means the control described above is available to every customer running IDV, whether you're tuning escalation logic for the first time or you've been running Rule Groups in Protect for years.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"If you're already a Plaid customer, log into your dashboard to try Rule Group Escalations, Pass Rate Preview, the rebuilt IDV Reports, and the Customer Location Map directly, or turn on email and ph
10one call delivery for your users. 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connect their financial accounts to get personalized guidance, set financial goals, and take action through everyday conversations with their Muse personal agent.","marks":[{"type":"italic"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Meta’s new personal AI agent, Muse, lau
10nched today with Plaid-powered account connections in its finance features.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Muse is a fully personalized AI agent. It connects to the apps and services you already use, Plaid included, to help people manage all aspects of their lives, including personal productivity, health, shopping, and financial management. The Finance experience with Plaid offers proactive, personalized guidance that helps consumers take meaningful steps toward their financial goals and provides inspiration for where to begin. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Plaid’s integration with Muse is another example of how quickly the industry is moving toward ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/intelligent-finance/"},"content":[{"nodeType":"text","value":"intelligent finance","marks":[],"data":{}}]},{"nodeType":"text","value":" with highly personalized experiences that can deliver even more value to consumers.","marks":[],"data":{}}]},{"nodeType":"embedded-entry-block","data":{},"content":[]},{"nodeType":"heading-5","data":{},"content":[{"nodeType":"text","value":"Giving your AI agent financial context ","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Financial decisions rarely happen in isolation. Deciding whether to adjust a budget, cancel a subscription, pay down debt, or revisit an investment strategy requires an understanding of the accounts, expenses, assets, and obligations that make up someone’s broader financial picture. Without that context, even the most capable AI assistant can offer only general guidance.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Through the Finances experience in Muse, people can securely connect financial accounts through Plaid to share balances, transactions, investment holdings, mortgage information and more. The goal is to make financial management feel less like navigating a series of disconnected apps and more like a natural conversation that begins with a person’s priorities and is informed by the financial information they choose to share.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What makes Meta’s approach unique is that it is built around how you live. Muse is built as a full-fledged personal AI agent, with financial management sitting alongside the many other tasks people handle every day. ","marks":[],"data":{}}]},{"nodeType":"heading-5","data":{},"content":[{"nodeType":"text","value":"Built on permission and control","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Any AI-powered financial experience must begin with clear permission, strong trust and security, and meaningful consumer control. Plaid has spent more than a decade building trusted infrastructure that helps people securely connect their financial accounts to the apps and services they choose. Today, Plaid supports connections to more than 12,000 financial institutions and financial apps in the United States.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"When someone chooses to connect an account to Muse, Plaid establishes the connection with the financial institution or app and shares the financial information needed to power the experience. People remain in control of whether to connect their accounts, and they can manage their Plaid-powered connections through ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://my.plaid.com/"},"content":[{"nodeType":"text","value":"Plaid Portal","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":".","marks":[],"data":{}}]},{"nodeType":"heading-5","data":{},"content":[{"nodeType":"text","value":"Powering the next generation of financial experiences","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{}
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Every year, Plaid opens its doors to a new class of curious, driven, and wildly talented interns—our Plinterns—to work across engineering \u0026 new business sales. This year, our 2026 Plinterns brought fresh energy from campuses across the country, diving into projects that stretch the edges of fintech, from building with AI-native tools to shaping go-to-market plays for new markets.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Whether they were posted up in our San Francisco or New York offices, debugging production issues, pitching in on customer demos, or grabbing dinner with the team after a long day, our interns left the
10ir mark on the people and products that power Plaid.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"We caught up with a few Plinterns to hear what they built, learned, and loved this summer.","marks":[],"data":{}}]},{"nodeType":"embedded-entry-block","data":{},"content":[]},{"nodeType":"embedded-entry-block","data":{},"content":[]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Brooke Li","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Duke University 2027","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Team: Layer","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What tools, languages, or parts of the stack did you get to work with?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"My projects involved improvements to Layer. With the help of Claude and Codex, I worked on end to end development across the full stack and even got to touch Ruby for the first time. In addition to building features, I also used tools such as Plogger and Chronosphere for observability and metrics purposes.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What did a typical day or week look like for you?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"I tried to go into the office every day this summer. Besides weekly Monday check-ins with my mentor, I usually took time to merge or edit PRs and organize Linear tickets before daily team standup at 11 AM. After that came team lunch, which I always looked forward to. Other than the occasional meeting, my afternoons were usually reserved for focused work sessions, where I’d continue coding, discuss engineering decisions, and iterate on my implementation. I’d also take breaks to walk outside or grab coffee with my intern buddy cohort. At 6 PM, the rest of the interns and I headed to dinner in the cafe before calling it a day.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"How did you approach a technical challenge you ran into?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"One of my biggest technical challenges involved working with another team’s infrastructure, which required a lot of cross team communication. Through several discussions, we ultimately decided to create a new database to provide the information I needed for the Layer stack. For the rest of my internship, I also regularly worked with the other team’s on-call engineer to coordinate the necessary changes and operational work to support my project. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's your favorite memory from the summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Traveling to San Diego for the Fraud offsite, playing card games after dinner with the other interns, watching The Odyssey with my team, successfully solving an escape room, seeing Maybe Happy Ending on Broadway… I have too many to count. This summer was so much fun thanks to the people I spent it with, and I’ll remember these memories for a long time.","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"\nKhang Nguyen","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"York University 2027","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Team: Credit","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What did a typical day or week look like for you?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Every day at Plaid felt like a perfect Summer day for me. I usually wake up very early in the morning so by 8:30 I was already in the office munching on the office breakfast (LOVED the lox and cream cheese bagel). The morning was where I reserved time mostly for deep focus work: submitting PRs, reviewing code... Then lunch came, and with it came my team’s tradition of post-lunch coffee runs. The afternoon was mostly spent gaining alignments in meetings, 1-1s, and stand-ups. By 5, we started wrapping up our work and either enjoyed the amazing office dinners, or went for a fun intern event, be it a Broadway show, or a Yankees game.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"How did your team support your growth this summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"I don’t think I could have asked for a better team! I had an awesome time working with Plaids who have always gone above and beyond in answering my questions, constructively reviewing my codes, and pairing with me on hard problems. I still remember how one of my questions turned into a 45-minute 1-on-1 session with my mentor which helped me understand my team’s system on a much deeper level.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's your favorite memory from the summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"My favorite memory was when all the interns went escape-rooming. It was an absolute blast collaborating with one another to solve problems while having a ton of fun doing so. I personally love how each of us contributed differently to the puzzles in the room. It was great seeing the amazing problem solving abilities of all the interns outside of work context.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"How did you approach a technical challenge you ran into?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"During my internship, one of the most interesting technical challenges I ran into was determining which algorithm I should go with for a graph colouring problem (basically finding minimum groups needed for grouping a list of products). I started it out by analysing the big O of the algorithms, time and space, before telling Claude to quickly code up a benchmark for both approaches. Once I wrapped up the analysis, I checked in with my mentor and we agreed on going with the greedy algorithm.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}},{"nodeType":"text","value":"Alex Oh","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"University of Waterloo 2027","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{}
10,"content":[{"nodeType":"text","value":"Team: ML Infrastructure","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What did you build or ship this summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"My project this summer was exploring a new way to serve our ML inference workloads with the goal of improving reliability while lowering costs. It was a great opportunity to explore architectural decisions I had not considered before, from model packaging strategies to deployment configurations. I learned how seemingly small infrastructure decisions can have a significant impact on the latency, cost, and performance of a system.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's a technical skill you feel more confident in now than at the start of the summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"I feel much more confident in my ability to quickly gain context when approaching unfamiliar problems. Plaid’s extensive AI tooling made it easy to ramp up on relevant information, whether that meant locating documentation, finding a specific part of the codebase, or tracking down a previous discussion thread. I felt comfortable jumping across different layers of the stack and independently figuring out how different parts of the system fit together. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"How did your team support your growth this summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"My team was extremely supportive throughout the summer and played a big role in my growth as an engineer. I had regular conversations about technical decisions, formal design reviews for my project, and plenty of opportunities to get feedback on my work. I appreciated being able to ask my team for a second opinion or talk through my findings with them.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's your favorite memory from the summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Of all the great memories from the summer - watching the Yankees vs Dodgers, playing flag football at Prospect Park, going on a Pizza crawl, etc - my favourite memory was flying out to Santa Cruz for an offsite and meeting the rest of my team in person. It was great having all of the people from the Data org in one place and getting to hear about what everyone was working on.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}},{"nodeType":"text","value":"Samuel Lukas","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"University of Toronto 2027","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Team: Data Foundations \u0026 AI","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's your favorite memory from the summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"One of my favorite memories this summer was being able to travel to Santa Cruz for a summer offsite. It was really fun to hang out with teammates and other interns and to meet people from different parts of the org. I remember screaming at the top of my lungs on rollercoasters and playing different games on the boardwalk which was really fun.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What made this internship different from others you’ve had?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What stood out to me was the amount of autonomy and decision making they gave us. It was really motivating to be able to suggest new and novel solutions to problems, and to be able to iterate and work through these solutions with guid
10ance and advice from really smart people. Being able to have big ambitions, ship fast, and see results first hand was really exciting.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What tools, languages, or parts of the stack did you get to work with?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"My project over the summer was to speed up inference latency for Plaid's sequential foundation model. To accomplish this, I got to work closely with the machine learning stack, picking up different runtime optimization frameworks like ONNX and TensorRT, while also implementing techniques based in academic research like knowledge distillation.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's one piece of advice you'd give to next year's interns?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Be curious! Say hi to that person sitting next to you during lunch, play a quick round of ping pong with a teammate, ask questions to your mentor and manager. It really helps to want to learn more about Plaid and the people who make it such an amazing place.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Jason Mo","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Georgia Tech 2027","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Team: Account Verification","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's your favorite memory from the summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"This is a hard question to answer, so I’ll just list ","marks":[],"data":{}},{"nodeType":"text","value":"some","marks":[{"type":"italic"}],"data":{}},{"nodeType":"text","value":" of my favorite memories from the summer. Biking around Santa Cruz with my team, being in NYC for the Knicks and World Cup, go-karting, random walks and coffee runs, escape room, karaoke with the Plinterns, and probably a dozen other events I’m forgetting. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What did you build or ship this summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"I helped launch Database Auth in Canada by enabling self-service configuration in the Plaid Dashboard. Clients in Canada can now enable Database Auth without having to contact an account manager. I also built a new public endpoint, /identity/match/list, that gives clients direct access to their historical Identity Match attempts and helps them meet compliance requirements.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What project or call made you feel like a real contributor?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"I remember checking the logs one day and seeing that there was an actual customer using my project. This really surprised me as we had only just updated the public docs for my project and it was super cool to see the impact and that people were already experimenting with it.  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's a technical skill you feel more confident in now than at the start of the summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"I've become much more proficient with AI-assisted development during my internship. AI is rapidly transforming the industry, and Plaid gave me both the resources and the confidence to experiment with different AI tools while learning how to use them responsibly as an engineer. Throughout the summer, I developed a number of effective workflows using tools like Claude and Codex, which have made me significantly more productive and changed the way I approach development.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}},{"nodeType":"text","value":"Devang Sharma","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"UCLA 2027 ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{}
10,"content":[{"nodeType":"text","value":"Team: Data Infrastructure","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What made you want to intern at Plaid?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"This summer I was looking forward to working somewhere that has a startup-y culture, yet the scale of a big tech company, and Plaid was the perfect blend of both. After talking to a few previous interns and full timers throughout the interview process, I was told that the culture at Plaid was deeply rooted in valuing and investing back into their employees. And this was very apparent throughout the summer. My mentors and teammates were very supportive throughout the summer and gave me real responsibilities, so my work and efforts felt valued at the company.  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's your favorite memory from the summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"My favorite memory from the summer was the shoe painting event. All the interns got to pick out a pair of white sneakers and customize them with different painting materials. We spent a few hours painting, talking, and seeing everyone’s designs come together. It was a really fun and relaxed way to socialize with the other interns!","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"How did you approach a technical challenge you ran into?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"My approach to technical challenges evolved throughout the summer. Early on, I tended to dive straight into implementation without fully documenting the problem or considering different solutions. Over time, I became more proactive about thinking through alternatives, writing down my approach, and asking questions before committing to a solution. This helped me work more efficiently and make better technical decisions.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}},{"nodeType":"text","value":"Claire Luo","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Duke University 2027","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Team: Network Enablement and Access","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"How did your team support your growth this summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"I valued how collaborative my team was, especially in talking through technical decisions or whiteboarding different approaches. They were always accessible to give feedback and guidance. At the same time, I owned my project end to end, from the problem to the spec to the build; I feel like that mix of ownership and support that my team provided enabled me to grow this summer.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What’s your favorite memory from the summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"There are too many to name! My favorite memories are all of the intern and team outings – escape rooms, trying NYC food spots near the office (pizza crawl!), watching a broadway show, karaoke, and so much more.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What new tools, frameworks, or ideas did you pick up this summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"One of the biggest things I picked up this summer was how to design frameworks for evaluating LLM-driven systems, which was a core idea of my capstone project. Unlike traditional software, LLMs are non-deterministic, so testing isn’t as simple as pass or fail. I learned how to evaluate performance across different outputs, measure reliability, and implement a proactive approach to catching regressions.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's a technical skill you feel more confident in now than at the start of the summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"I feel more confident in AI-driven software development and using LLMs to streamline my engineering workflows. For example, I created an AI skill to automate a tedious manual workflow for engineers. Plaid is very AI-forward and through my internship, I developed better practices for using AI to quickly build context around large codebase
10s and documentation, and then build effectively on top of that understanding. ","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}},{"nodeType":"text","value":"Datta Kansal","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Georgia Tech 2027","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Team: Data Payments","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"How would you describe Plaid's culture in a few words?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"I would describe Plaid’s culture as one big family. Despite Plaid growing rapidly, it very much feels like one big family in the office. Whether it’s playing random board games during lunch, eating dinner together, or going on random sidequests or popups in and around the office, Plaid does a great job at making everyone feel included and welcomed at work. Additionally, despite its size, Plaid very much feels like a startup, as every team moves at incredible velocity when compared to companies of similar size.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's a technical skill you feel more confident in now than at the start of the summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Plaid does a great job at providing access to state-of-the-art AI tools, whether it’s for coding, code reviews, or their own internal developer tools, which has allowed me to become a better user of AI. Everyone assumes college students have the best AI workflows, but often lack access to the highest-tier plans and are juggling lower-tier plans. This summer, I was able to create my own AI workflow and understand the pain points with coding with AI, such as redundancy and verbosity, which has made me more conscious about how I work and code with AI as the entire industry moves towards coding agents.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What made this internship different from others you’ve had?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"There are two things that made this internship different from others. Technically speaking, Plaid gave their interns a lot of liberty on their projects. We were essentially given a one-liner problem statement and given the opportunity to design a solution and build it, which is rare to see from a company as big as Plaid. Socially speaking, Plaid really supports its interns. Whether it’s weekly social events or intern check-ins, Plaid makes every intern feel at home for the summer.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's one piece of advice you'd give to next year's interns?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"I would recommend getting close to your fellow interns through events. This summer, all the interns had a blast through events planned by Plaid, which led to us hosting our own events towards the end, which was very fun! I’d also recommend chatting with engineers and managers across the company in areas you’re interested in, because everyone (even the leaders) is always open to chat, especially with interns. Finally, I would recommend using all the industry AI tools Plaid provides you, as it’s a great way to see where technology is headed today.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}},{"nodeType":"text","value":"Sasha Murray","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"UC Berkeley 2027","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Team: Update Pipeline","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What was it like working with your engineering team?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"My team does not have daily stand-ups, which was different from the other internships I have done. Instead, we use that time for more focused one-on-one or small-group meetings about the projects we are working on together. I liked this structure because it gave me more time to discu
10ss technical decisions in detail and get feedback from the engineers who had the most relevant context. My projects also involved working with teams outside Update Pipeline, so these smaller meetings were useful for discussing architecture, risk, and rollout plans with the right people.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's a technical skill you feel more confident in now than at the start of the summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"I feel much more confident using LLMs for software development. Plaid is very AI-forward, and engineers are encouraged to experiment with different tools and incorporate them into their workflows. During my experimentation, I created a skill that gathers trace data from Chronosphere and uses an agent to identify the operations contributing the most latency. This made it easier to find bottlenecks in complex code paths and turn the analysis into concrete optimization proposals. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's a moment that made you feel part of the team?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"I felt like part of the team when I identified opportunities to simplify the systems Plaid uses to create and manage a user’s bank connection After finishing my main capstone project, I used the extra time to learn more about how Plaid securely stores login information, creates bank connections, and helps returning users reconnect without repeating unnecessary steps. As I became more familiar with this process, I found areas where the architecture could be simpler and where responsibilities between services could be clearer. I discussed these ideas with engineers across the team and learned more about their technical and product implications. Some of the improvements I proposed are now planned for later this year, which made me feel that I was contributing to the team’s longer-term direction rather than only completing my assigned work.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's one piece of advice you'd give to next year's interns?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Take the opportunity to meet people across the company. The people at Plaid are incredible, and I learned a lot from conversations with engineers outside my immediate team. I would also recommend taking initiative beyond the initial scope of your project and being present during team meetings, even when the topic does not directly relate to your work. Those discussions provide useful context about how technical and product decisions are made, and they can help you find other areas where you can contribute.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}},{"nodeType":"text","value":"Filip Icev ","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"University of Michigan 2027","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Team: Developer Efficiency","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What made you want to intern at Plaid?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"I was first drawn to Plaid because of its mission and the unique role it plays in the financial ecosystem. Plaid solves genuinely interesting technical problems that make people’s lives better. Beyond that, throughout the interview process and my conversations with employees, I found a culture full of technically excellent people who were deeply curious and focused on making an impact. Overall, it seemed like an incredible place to contribute and grow technically. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What’s one piece of advice you’d give to next year’s interns?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Take the time to really understand, at a high level, what your team and the broader company do. A lot of the most valuable learning comes from understanding the different projects happening across your team and Plaid, how they fit together, and how they contribute to Plaid’s mission and business goals. Even if you are focused on one or tw
10o specific projects, having that broader context will make you a much stronger Plintern and member of Plaid. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What did you build or ship this summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"My main project was a weekly service that reviewed engineering documentation across every team each week. It identified the five highest-impact documents that were out of date, prioritizing those most heavily viewed by other teams. I then used Plaid’s internally hosted agent, Hamilton, along with a multi-agent workflow to research our codebase, Slack, and other internal sources. From that research, the system generated an updated version of the document. Through an internal webpage, engineers could easily review what had changed between the original and updated versions and choose whether to apply the changes.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"How did your team support your growth this summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"When I expressed that one of my biggest goals was to grow into an excellent software engineer, my manager and mentor really helped me work toward that. They consistently gave me more ownership over my projects and put me in situations with the kind of scope, ambiguity, and responsibility that more senior engineers might deal with. Their feedback, trust, and willingness to challenge me played a big role in how much I grew over the summer. ","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}},{"nodeType":"text","value":"Meha Selva","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"UC Irvine 2027","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Team: Credit Products","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's a technical skill you feel more confident in now than at the start of the summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"This summer, I became much more confident using AI agents to make myself a better engineer. Plaid is very AI-forward while maintaining a high bar for code quality and technical understanding. As I experimented with different tools and prompting styles, I also became better at reviewing, questioning, and understanding code I hadn’t written myself. Managing multiple agents and workstreams also strengthened my ability to plan ahead, prioritize, and switch between technical contexts.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"How did your team support your growth this summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"My team consistently encouraged me to act as an owner. I made many of the key decisions for my project: writing a full technical spec, presenting it for review, organizing and leading cross-functional meetings, and communicating with our go-to-market partners. That ownership extended beyond my capstone project. I was also trusted to investigate pages and alerts involving our CRA PDF services during the team’s on-call rotation. My teammates never dismissed my ideas because I was “just an intern.” Instead, they treated me as a trusted contributor and a go-to person with meaningful product knowledge.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What project or call made you feel like a real contributor?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"As part of my capstone project, I organized a meeting with Product and Design to align on its scope and requirements. The questions and considerations I raised during that conversation surfaced an opportunity beyond my immediate project and ultimately led to a one-pager for a future team initiative. It was rewarding to see that my contributions could shape not only the project I was building, but also future work at Plaid.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's one piece of advice you'd give to next year's interns?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Working at Plaid is about much more than the code you write or the products you build. The people here were a huge part of what made my summer so enjoyable. My advice is to take every opportunity to meet people across the company whether through coffee chats, board games over lunch or dinner, or social events. There is so much to learn from the people at Plaid, both professionally and personally, and those relationships can become one of the most valuable parts of the internship.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Victoria Yu","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Cornell University 2027","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Team: Network Enablement","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What did you build or ship this 
10summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"For my capstone, I ran an exploratory project to answer whether sequence embeddings from a fraud-focused transformer model could improve my team's retention prediction XGBoost model. I built the full pipeline end-to-end: bridging the two models' different data grains and generating, joining, and evaluating the impact of the embeddings. For my starter, I refactored the pipeline behind the active apps count metric, leading to a ~12x reduction in partition writes per partner-onboarding event.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's your favorite memory from the summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"I really enjoyed the scent-blending event! It was fun to sample various different scents and see what the other interns created as well. Heytea was the go-to for our intern boba runs, so I made a small candle and room spray with a white tea, grapefruit, yuzu, and mango mix. They both live on my desk and visitors always have fun guessing what the scent is!","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's one piece of advice you'd give to next year's interns?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Don't be afraid to ask for help from others beyond your mentor and manager; Plaids are very kind and generous with sharing their knowledge! I collaborated closely with an ML engineer on the fraud-focused team on understanding model architecture and training, with an ML engineer and SWEs on my own team on evaluation and infrastructure, and with legal on data-usage constraints.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"How would you describe Plaid's culture in a few words?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"High trust, inspiring, and tight-knit (both within the intern community and overall)!","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}},{"nodeType":"text","value":"Eric Yoon","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Yale 2027","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Team: CGX → Customer Foundations","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What tools, languages, or parts of the stack did you get to work with?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The SWE internship experience—and the tools we use every day—have changed so much since Summer 2025! Having Claude or Codex make line-by-line changes has freed me up to focus on making larger, more meaningful architectural decisions. Plaid has been awesome in keeping us up to date with the latest tooling, with workshops ranging from long-running workflows to token efficiency.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What did you build or ship this summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"My intern project was very infra-heavy—think orchestrating distributed cloud workers. I definitely felt challenged having to think about many different considerations such as cost, latency, and workload. Being able to work with low-level infrastructure configuration was a new experience for me, and I definitely learned a lot!","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's your favorite memory from the summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"My favorite intern event was when we all went out to Karaoke in Japantown. We re-lived our childhood and teen 
10years by singing 2010s hits! Overall, I'm so glad the interns came together and got to know each other over the course of the summer.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What project or call made you feel like a real contributor?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"One of Plaid's principles implores software engineers to \"act as owners,\" and I really felt that the intern program allowed us to exercise the skill of taking a project end-to-end. I was responsible for drafting a design doc, implementing my project on a code-level, and monitoring rollout; if something were to go wrong, ","marks":[],"data":{}},{"nodeType":"text","value":"I","marks":[{"type":"italic"}],"data":{}},{"nodeType":"text","value":" would be the technical point of contact, as I would be the most knowledgeable person on the feature I built out!","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}},{"nodeType":"text","value":"Sreekara Dandibhotla","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Georgia Tech 2027","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Team: Link Foundations","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What project or call made you feel like a real contributor?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Part of my capstone project involved running an experiment to measure the conversion impact of a security fix I designed. I worked with my team to monitor the rollout and track key metrics, and collaborated with other teams to make sure our experiment wouldn't conflict with theirs. It was rewarding to see the security fix working on my phone.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's your favorite memory from the summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"There were so many fun events like sneaker painting, topgolf, and random coffee runs. My favorite memory from this summer was the truffle making event. We got to try chocolate from different parts of the world and make our own truffles and ganache!","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's one piece of advice you'd give to next year's interns?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The biggest piece of advice I'd give to next year's interns is to take this opportunity to schedule coffee chats with engineers inside and, especially, outside your team. During the internship it's very easy to get tunnel vision and focus entirely on your project, but some of the most valuable things I learned came from conversations with people working on completely different things. Reaching out helped me learn more about other parts of the business, see the problems other teams are facing, and better understand where my own work fits into the bigger picture.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"How did your team support your growth this summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Before the internship started, I told my mentor about the kind of work I wanted to be a part of, and he and my manager kept that in mind when scoping out my intern project. This really set me up for success from the beginning. That support continued throughout the summer. Everyone at Plaid was incredibly open to helping or answering any questions. They were always willing to make time to chat or hop on a call to work through more complicated things. Early on, one of my teammates even spent a couple of hours walking me through our entire service at a high level, including how we integrate with other teams, without me even asking. Throughout my internship, I saw that same willingness to collaborate and help others reflected in everyone I worked with at Plaid.","marks":[],"data":{}}]},{"nodeType":"hr","data":{},"content":[]},{"nodeType":"embedded-entry-block","data":{},"content":[]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Miranda Coe","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"University of North Carolina at Chapel Hill  2027","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What made you want to intern at Plaid?\n","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"Plaid is a dynamic and innovative company! They are constantly looking to improve business functions and entering new verticals; never scared of taking calculated risks. Interning at a company that is looking to change and grow in a sustainable way and truly cares about their employees is exactly what I was looking for in a learning opportunity! ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's your favorite memory from the summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"My favorite Plintern memory was our C
10arolina Tiger Rescue volunteer event. We got to explore the grounds and see all the unique cats that the rescue houses. We also got to participate in building a fence for one of the new habitats and this fostered team building between my fellow interns and I! ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's something you learned about communicating value or telling a story with data?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"People trust results over promises! If you can build credibility with real customer stories and statistics, people will be able to visualize the value Plaid can add to their business. Many business owners are strapped for time, but they will always appreciate how Plaid can help them reach their goals! ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What skill from this internship do you think will help you most in your career?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Communication is key in any opportunity that comes your way! Your personal brand is built on how you respond and engage with your peers and colleagues. It is important to always be respectfully confident and communicative when in any career related position and this is a muscle I have been flexing all summer long! ","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}},{"nodeType":"text","value":"Keya Mehta","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Cal Poly SLO 2027 ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What project or call made you feel like a real contributor?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Throughout the internship we were given so much hands on experience. Every day I had the opportunity to work with real potential customers and actually contribute to the business. One experience that really stood out was bringing three prospects from recycled leads all the way to meetings with an NBA, then an Account Executive, and eventually to accepted opportunities! Seeing something I worked on from the very beginning turn into a real opportunity was awesome.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's something you learned that surprised you?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"I was surprised by how much my own knowledge grew just from speaking with prospects! Having conversations with founders and people in leadership positions at their companies exposed me to so many different businesses, industries, and ideas. Every conversation taught me something new, not only about Plaid and fintech but about how companies operate, the problems they're trying to solve, and how they think about growth.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"How did your team support your growth this summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Every individual at Plaid, even outside of the New Business team felt like part of my team. I always felt like I could go to anyone in the office with a question and everyone genuinely wanted to see me succeed. In addition to having an awesome mentor and manager, I had the opportunity to do mock calls with people across different offices, shadow calls, and set up coffee chats with people across Plaid. Having so many people willing to take time out of their day to help me grow made a huge difference throughout my internship.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What skill from this internship do you think will help you most in y
10our career?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Everything!!! As bad of an answer as that might be, there’s a reason people say sales is such a great place to start your career. This internship has completely changed the way I communicate and understand other people. I’ve realized that sales is really everywhere. Whether you’re an engineer getting your manager to believe in your idea or a CEO getting people to believe in your vision, you’re always selling something. Learning how to understand what matters to someone and get them excited about an idea is a skill I know I’ll carry with me throughout my career.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Maz Reeder","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Cal Poly SLO 2027 ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"How did your team support your growth this summer?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"I am very grateful for the NBA team here in Raleigh and across the whole company, because they did a lot to support my growth. My mentor and other NBA’s took time out of their day to teach me valuable lessons and let me practice things like calls. Aside from constant helpful advice, mock calls were one of the best ways for me to grow. NBA’s were nice enough to do these call roleplays with me weekly, greatly improving my abilities. Once I had done enough mock calls and was call certified, NBA’s let me lead discovery calls with real prospects. As a Cal Poly student, I am a huge believer in “learn by doing”, so being able to lead real sales calls was massive for my growth. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What did a typical day on the sales team look like?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"As interns, our day looks a bit different than full time NBAs on the sales team, but there are definitely some similarities. We start the day reaching out to individuals and businesses interested in learning more about Plaid! Since every customer uses Plaid differently, each message takes a bit of research and personalization. That's how I learned so much about the different use cases. Additionally, we were able to shadow introduction calls with the full time NBAs - this was a great opportunity to get face to face time with Plaid’s future customers and have a bit of exposure to what a ‘client facing role’ entails.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What skill from this internship do you think will help you most in y
10our career?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The ability to uncover pain is something I think will help me most in my career in tech sales. Throughout this program we have been taught how to get to that next level of question and uncover a prospect's true pain. This is something I did not have experience with, even in my previous sales role at my university. The time I’ve spent in calls has taught me how to truly identify a prospect's pain and make it matter. This has made me a much stronger salesperson, and I am grateful for that.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's one piece of advice you'd give to next year's interns?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"A key piece of advice I would give to next year's NBA interns is to jump right into things and embrace discomfort. My biggest opportunities for growth this internship have come from putting myself in situations where I’m not comfortable. Opportunities like “Maz wanna lead this one?” are ones you should almost always say yes to. Jumping right into cold calls, leading disco calls, and other tasks is the best way you can maximize your growth during this program. ","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}},{"nodeType":"text","value":"Nicolas Shoda ","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Boston College 2027","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What skill from this internship do you think will help you most in y
10our career?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The internship taught me a variety of skills; however, I’d say the one that will definitely stick with me longest is the ability to know how to ask the right questions. During the internship, I had to learn how to quickly establish rapport with prospects, and how to ask the right questions in order to assess if integration would be a right fit. Although asking the right questions may sound easy, in reality, it consists of working toward eliminating trust and communication barriers, with someone you may have just met through a video call minutes ago. Asking the right questions will definitely help with my journey of life, whether it is in a professional setting, or personal one; it will assist me in building lasting relationships based on trust and communication.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What made you want to intern at Plaid?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"I’m a very curious person; whether it is curiosity driven in understanding how the fintech world runs, or an interest in many different industries, verticals, and business models; they all spark genuine interest. I do not fully know what industry I want to pursue in the long-term future, and I strongly believe Plaid is a great place to be, and immerse yourself into many different industries, each day. As an NBA intern, I got the opportunity to discuss a wide array of industries, such as energy, blockchain, crypto, credit, insurance, capital markets, and many many more. Plaid provided me the space to feed my curiosity, surrounded by great teammates and leadership.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's something you learned that surprised you?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Something I learned that surprised me was maneuvering around road blocks and challenges, applied to sales. I learned that when outreaching to prospects, you may hit several roadblocks; whether that’s how a prospective customer responds to your outreach or whether they even take your call . Shortly into the internship, I noticed how perseverance and creativity are two incredibly handy traits for any sales position. Outreach can materialize after the 4th week contacting a prospect, or maybe the 8th week. You have to think about creative ways to establish communications with people, and have to be willing to try again, despite facing many challenges and barriers.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}},{"nodeType":"text","value":"Elliott Lee ","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"University of California, Irvine 2027","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What was the most interesting project or problem you worked on?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The most interesting project I worked on was to help our Credit/Lending team with prioritizing and organizing accounts with lending use cases. Through this project, I learned a lot about how Plaid operates in the credit/lending space and how Account Executives approach closing deals with those use cases in the industry. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What's one piece of advice you'd give to next year's interns?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"One of Plaid’s core principles is to ‘Act as Owners’, which encourages individual contributors to look for ways to contribute more to the organization. I highly recommend future interns to take initiative in taking on projects with other cross-functional verticals (marketing, sales engineering, etc.) to gain exposure and learn more about what their processes look like. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Did you get to shadow calls, build materials, or support a deal process? What was that like?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Yes – as an NBA Intern, there is a plethora of opportunities to shadow New Business Associates and Account Executives to get a better understanding of all moving parts in a contract deal at Plaid. You’re exposed to different parts of the deal process, from leading the initial discovery call to seeing deals close with ACV through our Account Executives. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}},{"nodeType":"text","value":"How did working cross-functionally shape your experience?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"I was able to work with our Sales Engineering team in transforming Plaid’s product demo directory from a collection of links into a searchable knowledge base through automating description patterns, tags, and PPT designs. Through working with them, I was able to understand how product demos are created and how Sales Engineers implements them into later stages of our Banking \u0026 Wealth deals. ","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}},{"nodeType":"text","value":"Sreenidhi Prakki","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"University of North Carolina at Chapel Hill  2027","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What skill from this internship do you think will help you most in y
10our career?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"One skill I learned this summer that will help me throughout my career is the power of listening. Coming into this internship, I thought sales was largely about the art of communicating and convincing others. While strong communication is important, I learned that some of the most effective conversations actually come from knowing when to stop talking and truly listen. Whether I was speaking with a prospect, working with a teammate, or learning from a manager, taking the time to understand someone’s needs, motivations, and perspective allowed me to communicate more thoughtfully and build stronger relationships. This internship showed me the very human side of sales where people want to feel understood before they want to be sold to. That is something I know will extend far beyond sales and shape how I approach relationships, leadership, and collaboration throughout my career.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}},{"nodeType":"text","value":"Did you get to shadow calls, build materials, or support a deal process? What was that like?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Throughout the summer, I had the opportunity to participate in nearly every stage of the sales pipeline, from prospecting and outreach to qualification, lead handoff, and supporting deals alongside Account Executives. At the beginning of the internship, I shadowed discovery calls with senior New Business Associates, which helped me understand what makes a strong prospect for Plaid and how to uncover a company’s needs through thoughtful questioning. As the summer progressed, I was able to take more ownership by conducting my own outreach, booking meetings, and eventually leading discovery calls myself. I also worked closely with Account Executives and gained exposure to what happens after qualification, including how opportunities progress toward a closed deal. Being able to see and participate in the entire process gave me a much stronger understanding of how each part of the sales cycle connects.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}},{"nodeType":"text","value":"How did working cross-functionally (with marketing, product, etc.) shape your experience?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"During my time at Plaid, I had the opportunity to connect not only with people on the sales team, but also with individuals across the broader organization, from closely related teams like Marketing to Product and Software Engineering. These conversations helped me understand how interconnected each function is and how much collaboration goes into serving a customer effectively. One team that particularly stood out to me was Partnerships, another part of the sales organization. I was surprised by how closely their work overlapped with ours, especially because New Business Associates also play a role in identifying and qualifying potential partnership opportunities. After recognizing that there was an opportunity for our intern cohort to better understand this process, I took the initiative to organize and lead a training on Partnerships and how to properly identify and route those opportunities. That experience showed me the value of looking beyond my immediate role, identifying gaps in cross-functional communication, and taking initiative to help teams work together more effectively.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}},{"nodeType":"text","value":"What's something you learned about communicating value or telling a story with data?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Something I learned about communicating value is the importance of using success stories to make results feel tangible. In sales, you can explain the value of a product in countless 
10ways, but ultimately, people want proof that it works. Customer success stories allowed me to pair data and results with a real-world example, showing prospects how companies with similar challenges were able to achieve measurable outcomes with Plaid. I learned that data is most powerful when it is part of a story. Rather than simply presenting numbers, you can use those numbers to help someone visualize what similar success could look like for them.","marks":[],"data":{}}]},{"nodeType":"hr","data":{},"content":[]},{"nodeType":"embedded-entry-block","data":{},"content":[]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Tanushree Podder","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Software Engineer @ Plaid ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What project(s) did your intern take on, and why did you choose them?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"My intern, Sasha, focused on reducing latency in AuthUser, the main authentication flow in Plaid Link that every user passes through when connecting an account. We chose a problem where writing code was only one part of the work. As AI tools make implementation faster, engineers still need to understand complex systems, find the real problem, and decide which changes are worth making. This project offered exactly that kind of challenge. It is a critical flow spanning multiple services and nested subgraphs, so improving it required Sasha to build an end-to-end understanding, reason through tradeoffs, and turn her findings into safe production changes.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The project also gave Sasha room for stretch opportunities. She turned her trace-analysis process into reusable tooling, then investigated and proposed improvements to the largely undocumented flow that creates a new connection when someone links a financial account. Those stretch projects grew directly from her core work, allowing her to deepen her understanding while taking increasing ownership of where she could contribute most.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"How has mentoring shaped the way you think about your own work or team?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Mentoring has made me think more deliberately about what it means to be a force multiplier. The most valuable thing I can do is not provide every answer, but understand what is preventing someone from mov
10ing forward and help clear that path. Early on, that may mean reducing ambiguity, sharing context, or connecting them with people who can accelerate their learning. As they build confidence, it means stepping back, giving them room to make decisions, and being available when the problem demands support.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Over the course of the internship, Sasha went from getting oriented in a complex area of our stack to independently identifying problems, shipping production improvements, shaping longer-term architectural work, and helping onboard a new engineer. That progression reinforced for me that good mentorship is measured by whether you create the conditions for someone to take ownership, exercise judgment, and eventually extend that support to others.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}},{"nodeType":"text","value":"Amy Hynes ","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Software Engineer @ Plaid ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What project(s) did your intern take on, and why did you choose them?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"My intern built a pricing calculator that helps self-serve customers estimate their costs while they’re signing up for Plaid. We picked this project for a few reasons. 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She also developed a strong instinct for the details that can make or break a user experience, thought through how to robustly set up and measure experiments, and she grew beyond thinking only about whether the code worked.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"How did your intern’s work connect to Plaid’s mission?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Brooke’s work connected to Plaid’s mission by making difficult parts of the financial experience simpler and more trustworthy. One project made it easier for users to tell us when something in their experience did not look right. Her larger project focused on reducing friction in onboarding and identity verification by allowing eligible returning users to reuse information they had already provided, while still giving them control over what they shared. 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See you soon! ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"👉 Ready to become a Plintern or Plaid full-timer?\nCheck out our ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/careers/"},"content":[{"nodeType":"text","value":"Careers page","marks":[],"data":{}}]},{"nodeType":"text","value":" to learn more about how you can unlock financial freedom for everyone.","marks":[],"data":{}}]},{"nodeType":"heading-1","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}}]},{"nodeType":"embedded-entry-block","data":{},"content":[]},{"nodeType":"embedded-asset-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"2qKEBfcssT94UdaxlIwJ9A","type":"Asset","createdAt":"2026-09-04T16:21:35.870Z","updatedAt":"2026-09-04T16:21:35.870Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":2,"revision":1,"locale":"en-US"},"fields":{"title":"IMG 6665 (1)","file":{"url":"https://images.ctfassets.net/zucqsg1ttqqy/2qKEBfcssT94UdaxlIwJ9A/12c14bc1d0093d51951402b759c551ec/IMG_6665__1_.jpg","details":{"size":9479075,"image":{"width":5712,"height":4284}},"fileName":"IMG_6665 (1).jpg","contentType":"image/jpeg"}}}},"content":[]},{"nodeType":"embedded-asset-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"2nczEJdBmhRe4nmubQvQZ3","type":"Asset","createdAt":"2026-09-04T16:21:35.872Z","updatedAt":"2026-09-04T16:21:35.872Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":2,"revision":1,"locale":"en-US"},"fields":{"title":"NBA Flava Flav","file":{"url":"https://images.ctfassets.net/zucqsg1ttqqy/2nczEJdBmhRe4nmubQvQZ3/ec753059319ea68a53d7ec2fd6e5597f/NBA_Flava_Flav.jpg","details":{"size":4134413,"image":{"width":4032,"height":3024}},"fileName":"NBA Flava Flav.jpg","contentType":"image/jpeg"}}}},"content":[]},{"nodeType":"embedded-asset-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}}
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Here’s what we have improved this month and what could unlock better performance for your business. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Now, on to the updates.","marks":[],"data":{}}]},{"nodeType":"embedded-entry-block","data":{},"content":[]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":" ","marks":[],"data":{}},{"nodeType":"text","value":"Fidelity now shows up as a supported institution:","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" Fidelity is now supported across Link, /institutions/get, and Dashboard. Customers can pin Fidelity as a top institution in Link, and if they're not yet enabled, they can request access directly in the Dashboard (OAuth Institution tab → Request access).","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Introducing MCP for Data Partners, now in Early Access: ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"Data partners can connect an AI agent (Claude, Cursor, Codex) directly to Plaid to investigate, diagnose, and resolve integration issues in a single automated loop — no more logging into the dashboard, decoding errors, and looping in an engineer for every fix.","marks":[],"data":{}}]},{"nodeType":"embedded-entry-block","data":{},"content":[]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/products/identity/"},"content":[{"nodeType":"text","value":"Identity Match","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"text","value":" | Setting up Identity Match just got easier. ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"Activate recommended rules in one click, while retaining control to customize thresholds as needed. Identity Match helps verify account ownership with 99.5% matching precision, so you can onboard more verified users and reduce ACH returns.","marks":[],"data":{}}]},{"nodeType":"embedded-entry-block","data":{},"content":[]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/check/underwriting/"},"content":[{"nodeType":"text","value":"Consumer Report","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"text","value":" | See why a Check report fails and what’s recoverable: ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"We’ve improved our CHECK_REPORT_FAILED webhooks to now include ","marks":[],"data":{}},{"nodeType":"text","value":"error, repairable_items, and failed_products. 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Where a flat summary might show two users with identical income, balances, and spending, the sequence tells a richer story. In early testing, the model prevented 26.5% more dollar value in payment returns at a fixed intervention rate, and reduced default risk by 13.6% at a 70% approval rate. \n","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"📊 Troubleshoot institution issues with real-time visibility into your own traffic:","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" Get real-time visibility into institution health for your specific customer traffic directly in your Plaid Dashboard. Institution Insights shows customer-specific success rates and error breakdowns filtered to your own traffic (not global metrics), drillable issue details with root cause and resolution guidance, and the ability to follow and receive updates on specific issues. 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","authors":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"71tSJGMnFUD57EmNwdbjyj","type":"Entry","createdAt":"2025-08-12T21:28:39.850Z","updatedAt":"2026-07-29T16:52:38.505Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":17,"revision":3,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"author"}},"locale":"en-US"},"fields":{"name":"Tiffany Ha","image":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"4YbYiubobEx11rXTAHtDHv","type":"Asset","createdAt":"2026-07-29T16:51:00.647Z","updatedAt":"2026-07-29T16:51:00.647Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":7,"revision":1,"locale":"en-US"},"fields":{"title":"Tiffany Ha Author Bio","description":"","file":{"url":"https://images.ctfassets.net/zucqsg1ttqqy/4YbYiubobEx11rXTAHtDHv/7f90bf061b7947ace607b16bfa6c5613/Tiffany_Ha.png?q=70\u0026fm=webp","details":{"size":4699466,"image":{"width":1976,"height":1852}},"fileName":"Tiffany Ha.png","contentType":"image/png"}}},"title":"Product Marketing Manager"}}],"components":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"3JsGUUhE2P7mf23ALuOYi6","type":"Entry","createdAt":"2026-07-14T01:09:39.053Z","updatedAt":"2026-07-29T16:55:14.988Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":67,"revision":6,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"richTextComponent"}},"locale":"en-US"},"fields":{"internalTitle":"New account fraud prevention: new features in Plaid IDV","body":{"nodeType":"document","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"New account fraud was the only major fraud typology to ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/detecting-fraud-risk-earlier-report/"},"content":[{"nodeType":"text","value":"grow in both victim count (+31%) and dollar losses (+13%)","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" last year. Fraudsters increasingly use generative AI tools to alter ID documents in ways that are hard to spot by eye, or by an analyst working a review queue. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"That's why we've shipped a number of Plaid ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/products/identity-verification/"},"content":[{"nodeType":"text","value":"Identity Verification","marks":[],"data":{}}]},{"nodeType":"text","value":" (IDV) updates that strengthen every stage of the verification lifecycle: document verification, PII verification, and case management. Here's what's new and how it solves real-world problems.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Document verification: spot AI-manipulated images behind new account fraud ","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Detect manipulated images of ID documents","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"IDV’s integrity check inspects the metadata to flag tampered images from virtual camera software and signs of digital editing or AI generation. This feature is designed to counteract fraudulent ID documents that are especially prevalent at the point of account opening. 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They can show paper copies or photos of stolen IDs instead during online account opening processes as well. In those scenarios, Plaid also ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/blog/product-updates-march-2026/#fraud-risk"},"content":[{"nodeType":"text","value":"detects screens or printed copies","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" as another layer of protection against document fraud.","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Require both sides of an ID document","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Requiring both sides of the ID to be uploaded creates a more confident assessment. If only the front of a driver's license is uploaded, users are sent back to the document type selection step with clear feedback. This closes a loophole that fraudsters exploit and helps organizations who have stricter compliance rules, such as financial institutions, to reduce manual outreach to chase down what’s missing.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Data source verification: recognize trusted emails and rescue typos for genuine customers","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Perform additional email risk checks","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Plaid","marks":[],"data":{}},{"nodeType":"text","value":" ","marks":[{"type":"italic"}],"data":{}},{"nodeType":"text","value":"IDV uses a LLM that cross-checks a user's name and date of birth against their email address to identify mismatches. This doesn't fail users outright, but flags suspicious patterns as a high-quality signal. In its first two weeks, it caught 100% of fraudsters in a live attack on a major customer. Ap
10plicable to the dashboard and ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/docs/api/products/identity-verification/#identity_verification-get-response-risk-check-email"},"content":[{"nodeType":"text","value":"the API","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":".","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Detect typos and offer retries","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"When a user enters an incorrect DOB, SSN, or name accidentally during the account opening process, they'll have the option to ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/blog/product-updates-june-2026/#fraud-risk"},"content":[{"nodeType":"text","value":"correct the typo ","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":"rather than failing the session outright. 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The account recovers on the next paycheck and returns to its prior rhythm.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"For the second consumer, the same events appear in a different order. A paycheck lands, a short-term loan repayment and credit card payment drain the account within 24 hours, small transfers bridge the gap, an ACH debit hits before the next payroll deposit, an overdraft fee posts, and the cycle repeats two weeks later.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"A flat feature set may see similar income, balances, spend, fees, and repayment activity. 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Better behavioral signals mean lenders can make more informed decisions, approving creditworthy borrowers while reducing defaults. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"For ","marks":[],"data":{}},{"nodeType":"text","value":"ACH payment risk","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":", the signal is rarely a single blatantly bad transaction, and more likely a transaction that looks wrong compared to past observed patterns. Better risk signals here mean catching fraud before it even happens.\n","marks":[],"data":{}}]}]}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"How our sequential foundation model works","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The model represents individual financial events using several complementary sources of information. One captures the meaning of the transaction itself through representations learned from large-scale financial data. Another captures timing, including the order of events, the spacing between them, and recurring calendar patterns. A third incorporates available account and transaction attributes such as amounts, account characteristics, and other contextual signals. These inputs are combined into a unified representation of financial activity over time. Rather than viewing a transaction as an isolated event, the model learns to interpret it within the broader flow of a user's financial behavior.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"For example, a $100 transfer may reflect routine saving behavior when it follows payroll deposits and regular household spending. The same transfer can carry a different meaning of potential financial strain when it appears alongside overdraft activity or short-term liquidity events. Context allows the model to distinguish between superficially similar transactions that arise from very different underlying situations.","marks":[],"data":{}}]},{"nodeType":"embedded-asset-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"6MXv1LL5n0OzvgEsXtOjFs","type":"Asset","createdAt":"2026-06-24T02:55:06.016Z","updatedAt":"2026-06-24T02:55:06.016Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":6,"revision":1,"locale":"en-US"},"fields":{"title":"seqmo 2","description":"","file":{"url":"https://images.ctfassets.net/zucqsg1ttqqy/6MXv1LL5n0OzvgEsXtOjFs/3ce58d5944ab93cd7efb528e61fda293/seqmo_2.gif","details":{"size":15017271,"image":{"width":1932,"height":1080}},"fileName":"seqmo 2.gif","contentType":"image/gif"}}}},"content":[]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"These event representations are processed by a sequence foundation model designed to learn relationships across a user's financial history. Instead of relying on manually labeled examples, the model is pretrained using self
10-supervised learning tasks derived directly from transaction sequences.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Several complementary objectives are trained jointly to help shape the representation:","marks":[],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Contrastive Predictive Coding (CPC) ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"encourages the model to learn patterns that make future financial activity more predictable, helping it capture recurring routines, income cadence, and evolving behavioral trends. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Replaced Token Detection (RTD) ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"trains the model to recognize events that appear plausible on their own but are inconsistent with the surrounding sequence, improving its ability to identify anomalous or potentially risky activity. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Temporal Contrastive Learning (TCL) ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"reinforces stable behavioral characteristics by encouraging representations from different periods of the same user's history to remain more closely aligned than those from different users.","marks":[],"data":{}}]}]}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Taken together, these objectives teach the model distinct but reinforcing skills: anticipating how financial behavior is likely to evolve, recognizing activity that appears out of place in its broader context, and maintaining a coherent understanding of a user's long-term financial patterns. The resulting representations capture both short-term dynamics and persistent behavioral signals, providing a foundation for downstream applications such as risk assessment and cash flow intelligence.","marks":[],"data":{}}]},{"nodeType":"embedded-asset-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"Su2BYZdR6quI3SQLOCp0G","type":"Asset","createdAt":"2026-06-24T02:55:06.019Z","updatedAt":"2026-06-24T02:55:06.019Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"locale":"en-US"},"fields":{"title":"seqmo 3","description":"","file":{"url":"https://images.ctfassets.net/zucqsg1ttqqy/Su2BYZdR6quI3SQLOCp0G/e4cb5081bc83b6fd7f7531eb4d9c534a/seqmo_03.png","details":{"size":386424,"image":{"width":3016,"height":1694}},"fileName":"seqmo 03.png","contentType":"image/png"}}}},"content":[]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"What this unlocks: early results","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The sequential foundation model is already in testing with two of our most consequential use cases, and early results suggest it captures behavioral signals that traditional models miss.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"For ","marks":[],"data":{}},{"nodeType":"text","value":"ACH payment risk","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":", the sequential model prevented 26.5% more dollar value in returns at a fixed 1% action rate. For our customers, that means catching more risk without flagging more legitimate transactions, creating a better experience for end users and less revenue impact from returns.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"For ","marks":[],"data":{}},{"nodeType":"text","value":"credit underwriting","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":", we reduced the default risk by 13.6% at a 70% approval rate. Same volume of loans, meaningfully less risk. ","marks":[],"data":{}}]},{"nodeType":"embedded-asset-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"3RIDSPmVlcCAZKhm85kfqg","type":"Asset","createdAt":"2026-06-24T02:55:06.023Z","updatedAt":"2026-06-24T02:55:06.023Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"locale":"en-US"},"fields":{"title":"seqmo 4","description":"","file":{"url":"https://images.ctfassets.net/zucqsg1ttqqy/3RIDSPmVlcCAZKhm85kfqg/1416cf5de0b93d002b89c0a0dae20c6d/stat-2__1_.jpg","details":{"size":390518,"image":{"width":1799,"height":466}},"fileName":"stat-2 (1).jpg","contentType":"image/jpeg"}}}},"content":[]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"These gains come without designing new bespoke product features. As Plaid incorporates the sequential model into our existing products, the lift in risk detection and underwriting performance flows through automatically. Better outcomes for our customers and their users from the same integration.\n","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"From bespoke features to shared sequential infrastru
10cture","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Historically, building a behavioral risk or underwriting model has meant hand-designing thousands of summary features: rolling averages, days since last cash advance, fee-to-deposit ratios. These features collapse the sequence into a few numbers, losing order and timing, and are often repeated for every new use case with small variations.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"A sequential foundation model changes that equation. Teams pretrain once on a large, unlabeled corpus of financial activity, then adapt that shared model to each task with a small amount of labeled data. Improvements to the foundation model propagate to every product built on top of it—so the behavioral intelligence available to customers gets better over time, compounding in the same way we already see with the transaction foundation model.","marks":[],"data":{}}]},{"nodeType":"embedded-asset-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"1k5TUPR5boldApQss5GY3X","type":"Asset","createdAt":"2026-06-24T02:55:06.026Z","updatedAt":"2026-06-24T02:55:06.026Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":7,"revision":1,"locale":"en-US"},"fields":{"title":"seqmo 5","description":"","file":{"url":"https://images.ctfassets.net/zucqsg1ttqqy/1k5TUPR5boldApQss5GY3X/9b20b1eeb75454a348f7d4c5df54243f/seqmo_5.png","details":{"size":3744576,"image":{"width":3011,"height":1691}},"fileName":"seqmo 5.png","contentType":"image/png"}}}},"content":[]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"What's next","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Today, the model understands the grammar of money to tell a financial story. The next chapter expands its vocabulary to tell the story more fluently.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Balance events show not just what someone spent, but what liquidity remained. Account connection events capture changes in financial footprint, since linking a BNPL app or short-term lender is itself a meaningful signal. Identity and product usage events become more informative when interpreted over time rather than as isolated facts. Each new event type increases the signal available to every downstream product, without customers having to integrate those events directly.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Together, the transaction and sequential foundation models help us understand people’s financial lives and make better decisions for them, enabling true ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/intelligent-finance/"},"content":[{"nodeType":"text","value":"intelligent finance","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":". ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"If you're building AI-powered financial experiences and want to go deeper on how these models power use cases like cash flow underwriting or ACH risk, we'd love to ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/intelligent-finance/#contact-form"},"content":[{"nodeType":"text","value":"connect","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":".","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}}]}]}}}],"tags":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"e4YIRiQBlEphqnpFSzEyE","type":"Entry","createdAt":"2020-12-11T20:30:12.859Z","updatedAt":"2023-06-06T22:09:09.270Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":4,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"tag"}},"locale":"en-US"},"fields":{"tag":"engineering"}}],"published":"2026-06-25","updated":"2026-06-25"}},{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"2jH6w9M3ZXLEFdZWzzh0dh","type":"Entry","createdAt":"2026-06-16T12:00:10.083Z","updatedAt":"2026-08-11T15:33:14.898Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":21,"revision":5,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"blogPostTemplate"}},"locale":"en-US"},"fields":{"metaTitle":"AI in finance: How U.S. and UK consumers stack up","pageSlug":"state-of-intelligent-finance-us-vs-uk","metaDescription":"Much like in the U.S., intelligent finance in the UK is on the rise. See how the two markets align, where they differ, and what it means for financial services.","bannerImage":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"7fJKxSvcjbURZSCaDxPQLN","type":"Asset","createdAt":"2026-06-15T17:36:33.655Z","updatedAt":"2026-06-24T23:19:37.746Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":10,"revision":2,"locale":"en-US"},"fields":{"title":"Europe blog banner State of Intelligent Finance UK vs US","description":"Europe blog banner State of Intelligent Finance UK vs US","file":{"url":"https://images.ctfassets.net/zucqsg1ttqqy/7fJKxSvcjbURZSCaDxPQLN/95ab
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Now, we’re releasing the UK findings, which reveal that the same shift is happening across the pond.","authors":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"65Msi2HaOHH44kPCQE4Lcq","type":"Entry","createdAt":"2022-08-16T09:12:09.425Z","updatedAt":"2026-08-19T14:14:48.270Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":7,"revision":3,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"author"}},"locale":"en-US"},"fields":{"name":"Chris Corbett","image":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"1GjUns0KpPnyWbECFpPe9J","type":"Asset","createdAt":"2026-07-24T21:32:26.270Z","updatedAt":"2026-07-24T21:32:26.270Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":2,"revision":1,"locale":"en-US"},"fields":{"title":"Chris Corbett","description":"Chris Corbett","file":{"url":"https://images.ctfassets.net/zucqsg1ttqqy/1GjUns0KpPnyWbECFpPe9J/41e4177992cc384f7716df13ac7dc068/Chris_Corbett_headshot.png?q=70\u0026fm=webp","details":{"size":38752,"image":{"width":136,"height":136}},"fileName":"Chris_Corbett_headshot.png","contentType":"image/png"}}},"title":"Head of Product, Europe"}}],"components":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"50WmDZVuBjvPfXFlX9vszE","type":"Entry","createdAt":"2026-06-15T17:49:41.455Z","updatedAt":"2026-07-24T21:41:54.633Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":37,"revision":5,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"richTextComponent"}},"locale":"en-US"},"fields":{"internalTitle":"Blog post copy - US vs UK intelligent finance report findings","body":{"nodeType":"document","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[{"type":"bold"},{"type":"italic"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What UK and US consumers really think about AI and money","marks":[{"type":"bold"},{"type":"italic"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"In April, we released our ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/state-of-intelligent-finance-report/"},"content":[{"nodeType":"text","value":"State of intelligent finance report","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" for the United States, exploring how AI is reshaping the way Americans understand and interact with their finances. Now, we’re releasing the UK findings, which reveal that the same shift is happening across the pond: AI in financial services is moving from experimentation to expectation—and pushing the industry forward from open finance to intelligent finance.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Powered by open financial data and accelerated by AI, intelligent finance represents a shift from the passive display of people’s finances to active guidance with AI, helping them better understand their options, make more informed decisions, and take action with greater confidence. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"We partnered with The Harris Poll to survey thousands of UK adults to understand how this shift is playing out in their daily lives, asking them questions about AI adoption, trust, and expectations in financial services. The results reveal a shared baseline, as well as notable differences in how consumers view the role of AI in their personal finances.","marks":[],"data":{}}]},{"nodeType":"embedded-entry-block","data":{},"content":[]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"A shared baseline, with meaningful divergence","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The headline finding is striking: AI adoption for financial tasks is nearly identical across markets. 54% of UK consumers and 55% of U.S. consumers have used AI for financial tasks in the past 12 months. In near-identical percentages, both populations also want transparency when AI is involved in financial decisions, the ability to review important AI-driven choices, and strong accountability when things go wrong.","marks":[],"data":{}}]},{"nodeType":"embedded-asset-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"6HP22HaLxNxXLmcdhEKGro","type":"Asset","createdAt":"2026-06-15T17:46:36.399Z","updatedAt":"2026-06-15T17:46:36.399Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":5,"revision":1,"locale":"en-US"},"fields":{"title":"Blog Stat - US vs UK intelligent finance","description":"Blog Stat - US vs UK intelligent finance","file":{"url":"https://images.ctfassets.net/zucqsg1ttqqy/6HP22HaLxNxXLmcdhEKGro/13a191b7970da5873c295054f7b7f4c2/Blog_Stat.jpg","details":{"size":558452,"image":{"width":1798,"height":574}},"fileName":"Blog Stat.jpg","contentType":"image/jpeg"}}}},"content":[]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"\nBut beneath this shared foundation, the two markets diverge in nuanced ways that matter for anyone building financial products.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Americans are more bullish on growth; Brits are more grounded in daily utility","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"U.S. consumers show stronger momentum intent: 41% expect to increase their AI usage for financial tasks in the next year, compared to only 33% of Brits. Americans are also more optimistic about AI's potential to deliver fairer outcomes in decisions like loan approvals (37% vs 30%) and they’re more excited by the prospect of fintech apps using AI (46% vs 43%).","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"UK consumers appear to be adopting AI less as a sweeping transformation story and more as a practical layer for everyday money management: helping them budget, compare products, reduce stress, and understand what to do next. That isn’t skepticism—adoption is nearly identical to the U.S.—but it does suggest a slightly different relationship with the technology, one rooted more in day-to-day utility than near-term enthusiasm.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"UK Gen Z and Millennials are driving expectations forward","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Here's where things get interesting. While overall adoption is similar, younger consumers in the UK are outpacing their U.S. counterparts in both usage and intensity of expectation.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"77% of UK Gen Z and Millennials have used AI for finance in the past year, compared to 72% in the U.S. And their expectations are sharper: 61% of UK younger consumers believe managing money without AI will soon feel “outdated,” versus only 54% in the U.S. They're also more likely to expect AI to save them time, reduce financial stress, and help them save and invest more.","marks":[],"data":{}}]},{"nodeType":"embedded-asset-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"2in0bsH5H9g75OQ60Pt57K","type":"Asset","createdAt":"2026-06-15T17:48:04.228Z","updatedAt":"2026-06-15T17:48:04.228Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":6,"revision":1,"locale":"en-US"},"fields":{"title":"Blog Bar Graph - US vs UK intelligent finance blog","description":"Blog Bar Graph - US vs UK intelligent finance blog","file":{"url":"https://images.ctfassets.net/zucqsg1ttqqy/2in0bsH5H9g75OQ60Pt57K/74a04a2e106b63879bbe748581528fd3/Blog_Bar_Graph.jpg","details":{"size":413497,"image":{"width":1798,"height":574}},"fileName":"Blog Bar Graph.jpg","contentType":"image/jpeg"}}}},"content":[]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"This UK cohort is treating AI as an essential layer of modern financial life and will gravitate to products that deliver it.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Trust is built differently in each market","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Both countries want guardrails, but differ in how they want to be reassured.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"In the U.S., the top factors that increase comfort with AI-enabled financial apps are protection guarantees, reimbursement policies, and full transparency on AI use. In the UK, the leading reassurance is human approval for major financial actions.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"This is a meaningful distinction: while U.S. consumers are looking for safety nets, UK consumers are looking for a hand on the wheel. For product teams, this suggests that supervised autonomy—AI that can act, but with clear human checkpoints—will resonate with particular strength in the UK market.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Context shapes expectation","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Finally, U.S. consumers report having experienced financial friction, including credit denial and fraud, at a higher rate over the past year. This may help explain why U.S. consumers are more willing to adopt AI for efficiency, protection, and decision support, having felt the pain points more acutely.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"UK consumers, operating in a somewhat less friction-heavy environment, may be adopting AI more as an enhancement than a remedy.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"What this means for fintechs and financial institutions","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The data points to a clear set of priorities for financial services providers operating in either market: ","marks":[],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Move beyond analytics to personalized guidance","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":". Displaying balances and transactions is the baseline. Consumers want tools that interpret that data and surface actionable insights, be they a spending alert, a better rate, or a nudge toward a goal. The expectation gap between what consumers want and what most apps deliver is still wide.","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Be explicit about how AI is working for your customers","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":". Trust isn't built through privacy policies, but through products that behave predictably, explain their reasoning, and make it easy to override or review decisions. In the UK especially, human oversight for major actions isn't optional, it’s necessary","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Meet the new financial consumer before someone else does","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":". Younger consumers in both markets are treating AI as essential. If your app isn't answering the questions they're asking, they'll get their answers elsewhere. Competitive advantage isn't about features; it’s about embedding intelligence into the core experience.","marks":[],"data":{}}]}]}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Keep humans in the loop—your customers expect it","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":". 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Highlights include API-based bank account verification for backend-only flows, expanded income and asset verification for home lending, a revamped Credit Dashboard experience, identity verification improvements for workflow setup and typo recovery, and more precise disconnect timing for open finance Items.","marks":[],"data":{}}]},{"nodeType":"embedded-entry-block","data":{},"content":[]},{"nodeType":"embedded-entry-block","data":{},"content":[]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Featured products: Database Auth API","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What’s better or new:","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"⚡ ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/docs/auth/coverage/database-auth/"},"content":[{"nodeType":"text","value":"Database Auth","marks":[{"type":"underline"},{"type":"bold"}],"data":{}}]},{"nodeType":"text","value":", ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"⚡ ","marks":[],"data":{}},{"nodeType":"text","value":"Backend-only account verification:","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" Verify manually entered account and routing numbers via API—no frontend changes required, with implementation possible in under a day.","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"🔐 ","marks":[],"data":{}},{"nodeType":"text","value":"Broader verification coverage:","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" Leverages Plaid network data to verify bank account details across banks, credit unions, and neobanks, including long-tail institutions.","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"🏦 ","marks":[],"data":{}},{"nodeType":"text","value":"Fewer ACH returns:","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" Supports offline and non-interactive payment flows with flexible account verification options that improve verification coverage.","marks":[],"data":{}}]}]}]},{"nodeType":"embedded-entry-block","data":{},"content":[]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Featured products: Home Lending Report, Plaid Income (CRA Income Insights), Credit Dashboard","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What’s better or new:","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"🏠 Plaid Home Lending Report, now integrated 
10with ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/partners/ice-mortgage-technology/"},"content":[{"nodeType":"text","value":"Encompass Consumer Connect (POS)","marks":[{"type":"underline"},{"type":"bold"}],"data":{}}]},{"nodeType":"text","value":": ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"Plaid’s ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/industries/mortgage/"},"content":[{"nodeType":"text","value":"Home Lending Report","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" can now be embedded directly into the borrower application experience, bringing seamless digital income and asset verification into the systems mortgage lenders rely on every day. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"💸  ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/check/income/"},"content":[{"nodeType":"text","value":"Plaid Income","marks":[{"type":"underline"},{"type":"bold"}],"data":{}}]},{"nodeType":"text","value":" (CRA Income Insights), now available in Home Lending Report: ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"Lenders can now leverage cash flow-based income insights alongside verified asset data in a single PDF report, helping simplify borrower evaluation and support a more complete view of borrower financial health.","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"💻 ","marks":[],"data":{}},{"nodeType":"text","value":"Revamped Credit Dashboard UI","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":": Our redesigned no-code Credit Dashboard now delivers a more intuitive experience for reviewing consumer-permissioned financial data, enabling lenders to leverage cash flow underwriting data without requiring technical integrations or engineering resources. 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","marks":[],"data":{}},{"nodeType":"text","value":"How can I link my bank? When will I receive my money transfer? My card was denied for this purchase, can I pay by bank?","marks":[{"type":"italic"}],"data":{}},{"nodeType":"text","value":" These are critical moments in the consumer journey, and today most of them route straight to a human agent who has to dig across dashboards and internal tools to piece together an answer.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Plaid and ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://fin.ai/"},"content":[{"nodeType":"text","value":"Fin","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":", a leading AI agent for customer service, are bringing the trusted ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/plaid-link/"},"content":[{"nodeType":"text","value":"Plaid Link","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" experience directly into the Fin AI Agent. Joint customers can now help their end users connect (or re-connect) their bank accounts securely, all within ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://fin.ai/channels/live-chat"},"content":[{"nodeType":"text","value":"Fin Messenger","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" chat. Customers can now submit their interest in joining the open beta. Fin on average drops first response times from ~38 minutes to ~2 minutes once reaching active usage. We expect the Plaid x Fin partnership to further reduce first response times and resolution turnarounds to ","marks":[],"data":{}},{"nodeType":"text","value":"seconds.","marks":[{"type":"italic"}],"data":{}},{"nodeType":"text","value":" This partnership marks another step in the shift from digital finance toward ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/intelligent-finance/"},"content":[{"nodeType":"text","value":"intelligent finance","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":", where AI agents can help consumers get personalized support and take actions to improve their financial lives.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Powering smarter support for fintech","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Plaid and Fin already share many joint customers, including fintechs, lenders, banks, and credit unions, where bank connectivity sits at the heart of the customer experience and support volume can spike if a user can't complete a connection. Support tickets can show up during onboarding, payouts, or purchases, moments where leaving the conversation to find a help article or wait for a human agent is the difference between a completed task and an abandoned one. ","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Now Fin can launch Plaid Link natively in chat","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The Fin AI Agent integration with Plaid addresses these issues and can reduce support tickets by surfacing the right action at the right moment, without the consumer ever leaving the conversation.","marks":[],"data":{}}]},{"nodeType":"blockquote","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Trust is the foundation of financial services, and it starts with secure, reliable data. Plaid is the trusted standard for financial connectivity, and Fin brings trust to AI-powered support. Together, we're helping fintechs and financial institutions deliver instant and reliable customer experiences.","marks":[{"type":"italic"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"— ","marks":[{"type":"italic"}],"data":{}},{"nodeType":"text","value":"Michael Carpenter, SVP of Sales at Fin","marks":[{"type":"italic"},{"type":"bold"}],"data":{}}]}]},{"nodeType":"embedded-asset-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"zucqsg1ttqqy"}},"id":"6aXfqcmC3aQdES85TMvdjs","type":"Asset","createdAt":"2026-06-03T22:29:14.255Z","updatedAt":"2026-06-03T22:29:14.255Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":3,"revision":1,"locale":"en-US"},"fields":{"title":"New fin experience","description":"","file":{"url":"https://images.ctfassets.net/zucqsg1ttqqy/6aXfqcmC3aQdES85TMvdjs/7d1913680cc6928504d78c0a3da19974/New_fin_experience.gif","details":{"size":49804843,"image":{"width":1744,"height":1080}},"fileName":"New fin experience.gif","contentType":"image/gif"}}}},"content":[]},{"nodeType":"embedded-entry-block","data":{},"content":[]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Open beta: features You'll See","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The first release focuses on the most common bank-connection job in fintech: helping an end user securely link their bank account so they can complete what they came to do. A few scenarios this unlocks at launch:","marks":[],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Bank account linking during onboarding.","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" A new user applies for a personal loan and gets stuck trying to connect the bank account that will be used for payments and for transferring the loan funds. Fin recognizes the issue and surfaces the \"Connect bank\" journey within a chat prompt. The end user completes account linking via Plaid and continues the onboarding flow once Plaid returns a successful session.","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Self-serve account connection from any conversation.","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" A credit union customer asks about setting up direct deposit for a payout they're expecting. Instead of being redirected to their dashboard or payment settings, Fin offers to kick off the bank linking flow right in the chat. The user connects their account and is ready to receive the payout, without ever leaving the conversation.","marks":[],"data":{}}]}]}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"What's next","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Bank linking is the first step. Plaid and Fin are collaborating on additional Plaid-powered journeys inside Fin, including restoring disconnected bank connections, completing identity verifications, and troubleshooting account funding or payout instructions, all without the consumer leaving the conversation.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"For customers interested in joining the open beta for Plaid in Fin, ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://docs.google.com/forms/d/e/1FAIpQLScSZYO8EGvUyIQkZW1gG7HSB7hzuPKH_VIaafp1QzQl2-1OAg/viewform"},"content":[{"nodeType":"text","value":"please register your interest here","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" and reach out to your Fin or Plaid contact. If you're building on Plaid and want to explore how AI can improve your consumer experience, ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/intelligent-finance/?utm_medium=PartnerReferral\u0026utm_source=Fin\u0026utm_campaign=app_listing_fin_site"},"content":[{"nodeType":"text","value":"learn more here","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":". 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10ouldn't sync with their bank","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":".","marks":[{"type":"underline"}],"data":{}},{"nodeType":"text","value":" When onboarding breaks, legitimate players bail. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"This is a CAC and retention problem before it's a fraud problem. Operators pay full acquisition cost for players the category has already converted, and the cost compounds with every product launch and every new market. As US OSB matures and acquisition costs climb, that compounding loss is becoming the most expensive blind spot in the gaming operator's economics.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The player is the same. The infrastructure to recognize them isn't.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Prediction markets opened a new regulatory front on the same player base","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Prediction markets added another identity seam.","marks":[],"data":{}},{"nodeType":"text","value":" ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"Kalshi, Polymarket, Robinhood, DraftKings Predictions, and major gaming brands are pulling players into products that sit beside traditional sportsbooks but operate under different regulatory regimes.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"That split matters for identity. Prediction markets operate under CFTC federal oversight, while sportsbooks follow state-by-state OSB rules. Different rule books mean different KYC standards, AML thresholds, verification flows, and reporting obligations. Same players. Same fraud actors. More seams to exploit. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Players and fraud actors now move across regimes. The defense needs to move with them, with the behavioral, device, and IP signals that catch fraud and follow the actor.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"AI made cross-operator fraud cheap to 
10scale","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Organized fraud rings have always coordinated across operators, and the unit economics used to make it expensive. AI changed the math. The cost to commit fraud dropped sharply. The procurement and compliance cycles that constrain defenders haven't.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The stakes are large. ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/new-identity-crisis-ai-fraud-report/"},"content":[{"nodeType":"text","value":"Global fraud losses are projected to reach $40 billion within the next few years, driven in large part by AI-enabled attacks","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":".","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"In gaming, the cost asymmetry plays out across the network. Fraudsters cycle through identity and device combinations at multiple operators simultaneously, evading detection. AI-generated documents look more convincing than ever and can bypass simple KYC checks. Bot-coordinated account behavior runs across platforms in parallel. Synthetic identity rings that took weeks to spin up in 2022 are provisioned in hours.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Per-operator stacks see one slice and file it under background loss. A network-level view sees the same signature, the same timing, multiple platforms. The signal is loud if anyone is looking at the right altitude.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"What a modern gaming identity stack should include","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Most identity stacks were built in layers: KYC, device intelligence, behavioral analytics, transaction monitoring. Each layer is useful. But none is enough on its own, especially when fraud moves across operators. The missing anchor is the bank account: a persistent, permissioned signal tied to real financial history.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"A modern gaming identity stack needs four things working together.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"1. Adaptive risk decisioning across the network.","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" No single operator stack sees the full picture of fraud. A risk engine grounded in cross-network behavioral and device patterns catches what individual stacks miss.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"2. Bank-account ownership and history as the cross-operator anchor.","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" Documents can be deepfaked. Devices can be spoofed. A real, funded, consumer-permissioned bank account tied to longitudinal financial history with real transaction patterns is structurally hard to fake at scale. It is the foundational authenticity signal that survives where document and device signals fail.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"3. Risk signal at every moment, not just at sign-up. ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"Registration, deposit, and re-verification, each moment requires its own decision. The behavioral and bank account signals captured at registration continue to inform decisions long after.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"4. Defense-in-depth across the verification stack. ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"No single check stops AI-driven fraud. Defenses need to layer at every stage of identity verification: capture, detection, verification, and decisioning. When fraudsters cycle through one stage to bypass it, the next stage catches them. A layered defense can entail virtual camera detection for manipulated images and facial duplicate detection or DMV checks to combat synthetic identity fraud. ","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Where Plaid fits","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Plaid helps gaming operators make better identity and risk decisions across the player journey: onboarding, deposit, re-verification, and fraud detection.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Plaid's network spans the financial ecosystem — more than 9,000 apps and clients across 12,000+ financial institutions, with 1 in 2 American adults using Plaid. That scale gives operators broader signals across bank accounts, devices, and account behavior, without requiring operators to share data with one another.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Across the player journey, that looks like:","marks":[],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Player onboarding:","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" One-click identity information onboarding and bank authentication at registration for players already in the Plaid network. Identity verification step-ups (document verification, liveness) trigger when higher risk is detected.","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Deposit risk:","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" Real-time transaction risk scoring at funding, with optional ACH return guarantee for risk-immature programs.","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Returning player verification:","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" Confirming the operator’s returning players (including dormant accounts and ATO defense) against linked bank-account ownership information.","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Network fraud detection:","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" Cross-platform fraud signatures the individual operator can't see in its own data.","marks":[],"data":{}}]}]}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Plaid's ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/industries/gaming/"},"content":[{"nodeType":"text","value":"solutions","marks":[{"type":"underline"}],"data":{}}]}
10,{"nodeType":"text","value":" span regulated gaming — sportsbooks, DFS, online poker, horse racing — and prediction markets. The same fraud infrastructure operates at each one.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"What good looks like in 2026","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The operators winning in 2026 will be the ones that stop treating identity as a one-time compliance check and start treating it as infrastructure across the player journey.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"That means matching friction to risk at onboarding, reducing unnecessary friction at deposit, and detecting fraud patterns individual operators cannot see on their own. The same network that helps legitimate players onboard faster also catches fraud rings earlier. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Network-grounded signals reduce fraud loss. For gaming operators, those are no longer separate problems. They are two sides of the same infrastru
10cture decision.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The operators that modernize now will be better positioned for the next wave of product expansion, regulatory scrutiny, and AI-enabled fraud.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/industries/gaming/"},"content":[{"nodeType":"text","value":"Learn how Plaid helps gaming operators win with faster, more secure identity and fraud 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The average time for a Plaid customer to hit a million users onboarded has dropped by 33% which corresponds to nearly a full year faster. This applies to our customers across fintech, prediction markets, and agentic finance.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"With every company growing faster and faster, you have to keep up. More and more money is being spent on marketing, product development, and sales. Unfortunately, in the backend, compliance teams are being overrun by hundreds of new users every day and each one needs a manual review where the cost of failure is in the millions of dollars. 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Not to mention they’re already at a higher risk of churn now and can be vocal critics of your platform. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Each 1% in growth rate wasn’t just an increase in users but in fact a rapid increase in both AML backlog and another compliance team member that you need to onboard.\n","marks":[],"data":{}}]},{"nodeType":"heading-4","data":{},"content":[{"nodeType":"text","value":"Overcoming the 30 day period\n","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"This backlog can’t just be solved 
10in a single day, instead your compliance team struggles with the operations of managing a review queue that never really empties. The average time for a good user (false positive watchlist case) to be in a customer’s watchlist backlog is ","marks":[],"data":{}},{"nodeType":"text","value":"nearly 30 days. ","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Beyond just the number of false positives, it’s difficult to handle the manual triage, context switching, and poor auditability. All of these issues are then compounded with the false positives from the “John Smith’s” around the world. We’re in an environment where companies are growing faster than ever, with lower head counts. Even worse, due to increasing global tensions, the number of individuals and entities added to sanctions lists has increased ","marks":[],"data":{}},{"nodeType":"text","value":"30% over the past two years.  ","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"This is the problem we've solved with ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/docs/changelog/#:~:text=For%20Monitor%3A,for%20clearer%20navigation."},"content":[{"nodeType":"text","value":"our new Monitor redesign","marks":[],"data":{}}]},{"nodeType":"text","value":". We didn’t change what ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://plaid.com/products/monitor/"},"content":[{"nodeType":"text","value":"Monitor","marks":[],"data":{}}]},{"nodeType":"text","value":" does – the matching algorithm, the watchlist coverage, and the automated rescanning are all still there and still best in class. Instead, we’ve reimagined an AML compliance program for the world where billion dollar companies can be built by just 10 employees. ","marks":[],"data":{}}]},{"nodeType":"heading-4","data":{},"content":[{"nodeType":"text","value":"What’s new in Monitor  \n","marks":[],"data":{}}]},{"nodeType":"heading-5","data":{},"content":[{"nodeType":"text","value":"How we safely speed up a compliance process ","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"We started from the ground up – counting every click in the flow. Making a decision on a watchlist hit required multiple clicks to gather context on lists flagged, what the match level was, what the current case status showed. We then had a single goal: decrease the number of clicks to as close as zero while still keeping a world class AML experience. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The new dashboard brings all of it into a single view:","marks":[],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The left panel displays the full pending queue, where analysts can filter by what's assigned to them, what is unassigned, or everything in the queue. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The top card surfaces the individual or entity and the review status","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The cards below show the current hit count and relevant watchlist matches at a glance. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"A persistent decision review widget stays visible throughout, so analysts can leave a comment and submit without losing their place. ","marks":[],"data":{}}]}]}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"This creates a higher analyst productivity and a better case management experience. 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