Plaid has unveiled Bank Intelligence, a suite of insights designed to enhance customer engagement and strengthen fraud prevention for financial institutions.
The launch follows growing demand from banks for better visibility into how customers connect their accounts to third-party apps and services. With digital ecosystems expanding rapidly, institutions need tools to manage consent, monitor data sharing, and detect potential fraud threats before they escalate.
Plaid, which connects tens of millions of financial accounts across a wide range of apps and services, provides infrastructure that enables secure data connectivity between consumers and financial institutions. The company’s technology supports a wide variety of financial applications—from budgeting and investing to borrowing and saving—helping consumers manage their finances seamlessly across multiple platforms.
The new Bank Intelligence suite leverages Plaid’s extensive network and data analytics capabilities to provide financial institutions with actionable insights that improve customer experience and security. The suite includes three core components: Retention Score, Primacy Indicators, and Fraud Insights. These tools give banks a deeper understanding of customer behaviour and potential risk exposure.
The first of these, Retention Score, now available in early beta, identifies churn risks among direct deposit customers—helping banks intervene early and strengthen customer loyalty. Primacy Indicators, expected to launch in 2026, will provide insight into whether a customer’s account is their primary banking relationship, while Fraud Insights will offer real-time intelligence to help detect and prevent account takeovers.
Plaid stated that the Bank Intelligence suite will empower financial institutions to make smarter, data-driven decisions. Benefits include improved onboarding journeys, enhanced lifecycle management, and better visibility into emerging churn or fraud risks. Consumers, in turn, can expect more personalised financial experiences, timely education, and improved financial outcomes.
The company also announced the opening of its beta waitlist for Retention Score, inviting institutions to partner in testing and refining the product before broader release. Additional features, including Primacy Indicators, are expected to roll out later in 2026.
Plaid noted that its fraud prevention capabilities are built on the same machine learning model that powers Protect, its fraud intelligence platform, which analyses thousands of attributes across over a billion device connections. By adapting this technology for bank use cases, Plaid aims to help institutions detect anomalies and mitigate threats in real time, protecting both customers and deposits.
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