Plaid is announcing Plaid Signal, a machine learning risk engine that allows businesses to accelerate payments to near-instant experiences while reducing risk to their bottom line. This technology has been in use by several Plaid customers for over a year and currently protects nearly $1.5 billion in transactions every month. With Plaid Signal, businesses can enhance their risk program to deliver great customer experiences by analyzing over 1,000+ unique risk factors and returning risk scores, tiers, and attributes for improved automation and faster ACH transactions. By implementing Signal, companies have seen significant improvements in reducing return losses, increasing conversion rates, and enhancing user engagement. Plaid Signal is built on the company's leading consumer-permissioned Open Banking platform, enabling more precise and dynamic payment flows through predictive scores, tiers, and unique attributes that explain the 'why' behind each score.