Plaid

NACHA enforcement isn’t theoretical anymore: it’s happening. If you’re unsure where your setup stands, now’s the time to check. We broke down what’s changed, what’s being enforced, the steps you may need to take to stay compliant, and how Plaid can help. 👇 https://lnkd.in/eSwhGn2E

Financial confidence starts with visibility. See how H&R Block uses Plaid’s data and insights to help customers track spending, anticipate shifts, and build stronger habits beyond tax season. Hear their story 👉 https://lnkd.in/gyT-kfnq Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward®, N.A., Member FDIC.

Excited to share this launch from the team at Plaid. Transactions are one of the richest signals in financial services, but they are also messy, fragmented, and difficult to interpret consistently at scale. This work is an important step toward building a stronger foundation for intelligent finance, one that can power better enrichment, categorization, risk, fraud, and better user experiences across the ecosystem. What makes this especially exciting is not just the improvement we are already seeing across downstream use cases, but the compounding effect of foundational work like this. When the core representation gets better, every product built on top gets better too. Proud of the team (Wen Yao, Raghu Chetlapalli, Sameer Bhadouria, Han Yu, Kevin Supakkul, Zachary Keller, Christine Zhou, Melody Zhao, Ozgur Can Seckin, Chelsea Thomas) driving this forward, and excited about what this enables next for developers building in financial services. https://lnkd.in/g33Azfu7

Spoke at the Consumer Bankers Association's CBA Live this week, and one thing was clear: banks are ready for what cash flow data can unlock. The conversation around the UltraFICO® Score and cash flow insights isn’t theoretical anymore. It’s practical, it’s actionable, and it’s about to happen (Summer 2026). Lenders are seeing how combining a trusted score with trusted cash flow data can help them approve more qualified borrowers, without taking on more risk. That’s a big deal. This is how we move the industry forward: smarter underwriting, broader access, and decisions that reflect real financial behavior, not just historical snapshots. The momentum is real. And we’re just getting started. Ethan Dornhelm FICO Plaid

Spotted at Cafe Plaid: Good vibes and even better connections. 🤝 Many thanks to the customers and partners who stopped by our pop-up last month. Until next time, NYC!

Thanks to Ryan Christiansen for moderating our panel on 1033 and open banking at Fintech Meetup. Enjoyed the discussion alongside Steve Boms at FDATA, John Pitts at Affirm, and Rajeev Shrivastava at TigerGraph on how policy and market shifts are reshaping open banking. Open data is already delivering for consumers by providing a more accurate picture of a consumer’s creditworthiness through cash flow data, enabling stronger fraud detection, and offering more intuitive financial services products. As the Administration finalizes its approach to Section 1033, one question is top of mind: will fees become a tool for incumbents to gate access and shut out innovators and smaller financial institutions, or will we preserve a system that enables competition and consumer choice? The path we choose will determine whether open banking expands opportunity or reinforces barriers, so it is critical to get this right.

Turning data into financial clarity. See how H&R Block uses Plaid to power personalized financial insights 👉 https://lnkd.in/gyT-kfnq Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward®, N.A., Member FDIC.

Faster onboarding changes everything. See how Gemini improves conversion and speeds up access to crypto with Plaid. Watch the story 👉 https://lnkd.in/gyT-kfnq

You guys know Ben, right? Last week Mr. Franklin himself ran the iron-on patch station at our Cafe Plaid pop-up in NYC. Coffee was served. Connections were made. And the ol' printing press took on a new meaning. See you at the next one!