Author: Laurie Anderson

Q4 2025 Product Highlights

Advancing verification, fraud defense, and platform performance—Q4 2025 product highlights This past quarter, we delivered several enhancements and upgrades designed to give our clients more accurate verification, better fraud defenses, smoother workflows, and enhanced platform performance. Together, these updates strengthen decision quality, increase protection against risk, and create a smoother, more reliable experience for clients. […]

Stopping Identity Fraud Before It Starts: How Real-Time Bank Data Signals Protect Payments

Identity theft in the United States has hit historic highs—and criminals are getting faster, more sophisticated, and more automated. As we enter FTC Identity Theft Awareness Week, the message for banks, lenders, and payment providers is clear: identity fraud prevention must begin upstream, at the account level, using real-time signals that detect fraud before the […]

Building a Fraud-Resilient Payment Strategy for 2026

As we step into 2026, the payments landscape is evolving faster than ever. Real-time rails, open banking, and digital-first experiences are creating new opportunities—but also new vulnerabilities. Fraudsters are leveraging advanced tactics, from synthetic identities to account takeover schemes, making it critical for financial institutions and businesses to rethink their fraud prevention strategies. Why now? […]

Closing the Coverage Gap: Predictive Intelligence Makes Validation a No-Brainer

How we turned 95% unknowns into 80% verified accounts When a large portion of your accounts, especially regional bank and credit union accounts, keep coming back as “no information found,” you’re not just missing coverage… you’re paying for zero value. That’s exactly what an S&P 500 leader in business payments and expense management discovered: their […]

The Rising Cost of BNPL Fraud & the Klarna Glitch: Why Account Validation Is Non-Negotiable in 2026

Fraud is accelerating—and silently eating into the bottom lines of banks and lenders. As 2025 came to a close, the warning signs were clear: digital transformation and faster payments have fueled fraud on an unprecedented scale, and the stakes couldn’t be higher.   The High Cost of Fraud According to a 2025 AFP Study, 79% […]

Building the Future Through Partnerships: Elevating ValidiFI’s Program with Ian Megale

As we head into 2026, ValidiFI is doubling down on innovation, collaboration, and growth—strengthening existing partnerships while expanding new ones through our Denova Partnerships Program, led by our newest team member, Ian Megale, VP of Partnerships.  Why Partnerships Matter More Than Ever The financial services landscape is evolving rapidly. From ACH modernization to fraud prevention […]

Choosing the Right Validation Partner: A Compliance-Ready Checklist

Accuracy, Speed, Fraud Prevention, and Nacha 2026 Readiness Why This Matters Account validation isn’t just a compliance checkbox—it’s a strategic necessity. Nacha’s WEB Debit Account Validation Rule (from 2021) already requires validation for first-use consumer accounts; and with multiple new Nacha rules scheduled through 2026 (see full timeline), financial institutions (FIs) —whether acting as an […]

Infographic: An Alternative View of Credit Risk

Layer ValidiFI’s risk score with traditional credit scores to unlock deeper insights. Familiar views of credit evolve into actionable intelligence when real-time bank data exposes what conventional scores overlook. Compare score distributions across standard bands and ValidiFI’s risk score to reveal hidden risk and drive smarter decisions. Download infographic:

Q3 2025 Report: Rethinking Credit Scoring in the Age of Shifting Financial Behaviors

See how real-time bank and payment intelligence is transforming credit decisioning. Traditional scores offer a static view, but today’s fast-changing financial behaviors demand more. ValidiFI layers predictive signals like account volatility, ACH patterns, and identity stability to uncover risks and opportunities missed by conventional scoring. Lenders gain instant visibility into financial health, enabling smarter approvals, […]

ValidiFI Q3 Report Finds More Than 30% of “Fair” Credit Consumers Flagged as High Risk by Alternative Scoring

New Analysis Shows How Layering Real-Time Bank Data with Traditional Scores Uncovers Hidden Risks and Opportunities ALPHARETTA, Ga., Dec. 10, 2025 — ValidiFI, Inc., the leading alternative data provider, today released its Q3 2025 Bank Account and Payment Intelligence Report, “Rethinking Credit Scoring in the Age of Shifting Financial Behaviors,” which reveals significant discrepancies between […]