Product Updates - December 2025
Blog post from Plaid
In December 2025, Plaid introduced several updates aimed at enhancing user experience, conversion rates, and fraud prevention. Key improvements include a smoother pay-by-bank flow that boosts conversion by 5%, a redesigned Verification of Assets report for mortgage lending with detailed account insights, and the introduction of AI-enhanced transaction categorization for more accurate financial analysis. New APIs for Consumer Report products enhance product usability and compatibility with future offerings, while machine learning-powered fraud detection features, such as the Trust Index score and facial duplicate results, are now accessible via API to bolster security measures. Additionally, onboarding processes are streamlined with phone number prefill options and faster load times facilitated by updated Plaid SDKs, resulting in increased conversion rates and improved overall user experience.