Everything we announced at Plaid Effects 2026

At the Plaid Effects 2026 conference, Plaid announced a suite of new analytics products and foundation models aimed at revolutionizing financial services through advanced AI. These announcements include foundation models that enhance the understanding of financial data, resulting in significant improvements in transaction categorization and income classification. Plaid introduced Trust Index 3 for advanced fraud detection, a revamped Plaid Income with a transformer-based model for better financial behavior understanding, and LendScore enhancements for improved credit risk assessment. Additionally, the new Plaid Cash Advance Index aids cash advance providers in making more precise risk assessments, while Plaid Guaranteed Payments offers instant bank transactions with minimized risk, backed by Plaid's settlement guarantees. Plaid also launched developer tools like Sandbox Studio and Plaid CLI to accommodate the evolving role of AI in development, streamlining the integration and management of financial applications. These innovations underscore Plaid's commitment to building an intelligent financial network that enhances the personalization, security, and efficiency of financial products.

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