Unlocking growth with Plaid integration: July 2025 updates You can use today

The fintech landscape is evolving at record speed - and Plaid’s latest product updates open new doors for product growth, faster onboarding, better fraud protection, and smarter lending decisions. If you're building in embedded finance, lending, wealthtech or payments, these changes are your competitive edge.

At Marotino, we help fintech teams go from "idea" to Plaid-powered product in weeks - not months. As a fintech-focused agency with deep Plaid expertise, we deliver end-to-end integrations that boost time-to-market, improve compliance readiness, and unlock measurable ROI. Here’s what’s new from Plaid and how we can help you leverage these updates to create more intelligent, responsive, and competitive financial products.

Why fintech teams choose Marotino

• 10+ end-to-end Plaid integrations delivered in the past 18 months

• 27% average increase in onboarding conversion after Marotino-led optimization

• 30–50% faster integration cycles using AI-based dev toolkits

• Expertise across KYC, lending, BaaS, wealthtech & payments

• Full coverage: backend, frontend, compliance, analytics, and user experience

  
  

Real-time credit decisioning with Plaid and Experian

One of the most impactful announcements from Plaid is their new collaboration with Experian. By combining real-time cash flow data with risk analytics, this partnership offers lenders a more holistic view of a borrower's financial health. The result: smarter, faster credit decisions with broader inclusivity, especially for applicants with limited or non-traditional credit histories.

For companies in lending or embedded finance, this is a significant opportunity to improve underwriting models while reducing reliance on legacy credit scoring alone.

At Marotino, we implement real-time credit APIs that deliver smarter lending decisions with less manual review - and full compliance baked in.

Source: Plaid

Using AI to fight next-gen financial fraud

As fraudsters grow more sophisticated, fintech companies need to stay one step ahead. In a new joint report with MIT Technology Review, Plaid explores how artificial intelligence is becoming a critical part of financial defense strategies. From anomaly detection to real-time behavioral analysis, AI is helping organizations minimize fraud risk while improving user experience.

If you are developing a payments platform, wallet, or banking-as-a-service product, incorporating AI-driven fraud monitoring is no longer optional, it’s a necessity.

We help fintechs implement AI-powered fraud prevention engines - built to scale, audit-friendly, and ready for global compliance (GDPR, SOC 2, PCI-DSS).

Source: Plaid

New mortgage verification reports

For mortgage lenders and fintechs operating in the real estate space, Plaid has introduced new FCRA-compliant verification reports designed to meet Fannie Mae’s guidelines. These reports include real-time employment data refreshes and are optimized for faster mortgage processing.

Marotino can support the integration of these new verification tools into your lending stack - ensuring compliance, reducing friction during user onboarding, and enabling data-driven underwriting.

More investment data for financial advisors and wealthtech

Plaid’s Investments API now includes expanded fields such as fixed income details, sector and industry classifications, and options pricing. This data enables financial advisors and personal finance apps to deliver more tailored, insightful investment recommendations to users.

Whether you are building a wealth management dashboard, a robo-advisor platform, or an investment tracking app, these additional data points can unlock new personalization and retention opportunities.

Our team at Marotino helps wealthtech platforms structure and visualize investment data for better client engagement. We also design custom analytics modules for internal advisors or end users.

New AI development toolkit for faster Plaid integration

To streamline product development, Plaid launched an AI-powered developer toolkit that includes code generation for common use cases, integration guides, and a sandbox testing environment. This makes it significantly easier to start building with Plaid - especially for startups or cross-functional teams working under tight deadlines.

If your team is just starting with Plaid or looking to accelerate delivery timelines, Marotino can handle the integration from end to end. We use the latest tools, including this new AI toolkit, to reduce development overhead, minimize bugs, and ensure high-quality delivery across platforms.

Enhanced link analytics for performance optimization

Plaid has also enhanced their dashboard to provide deeper analytics on Link performance, including insights by institution, device type, and more. This allows you to fine-tune your onboarding flows and improve conversion based on actionable data.

At Marotino, we help clients analyze, interpret, and act on Link performance data. Whether you need to A/B test new UX flows or troubleshoot drop-off points, we can optimize your user experience using real metrics, mapped against Plaid’s industry benchmarks.

Final thoughts

The newest updates from Plaid represent a major step forward in data-driven product development, lending innovation, and AI-powered automation. But unlocking their full potential requires more than just technical know-how, it takes a partner who understands how to align innovation with your business goals.

At Marotino, we don’t just implement APIs. We help you build competitive advantage through scalable architecture, user-centric design, and fintech expertise.

If you're looking to integrate Plaid or enhance your existing setup, let’s talk.