Plaid's October 2025 product updates introduce a suite of machine learning-powered risk scores aimed at enhancing decision-making across onboarding, payments, and credit, including the innovative LendScore, which uses real-time cash flow data to improve predictive accuracy for lenders. The updates feature extended flexibility for payment processing, improved consumer report designs, enhanced fraud detection with the Trust Index 2, and new rule templates for fraud prevention. Significant enhancements were made to user experience and onboarding processes, resulting in increased conversion rates. Plaid also launched the Bank Intelligence Suite, offering new insights for financial institutions to boost customer engagement and prevent fraud, alongside the Plaid Retention Score to predict deposit churn risks. These updates reflect Plaid's commitment to integrating AI tools and enhancing product functionality for better efficiency and user experience.