Author: Laurie Anderson

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 […]

Why Coverage Is the Currency of Trust in Payments

In the world of payments, trust isn’t just about compliance or credentials—it’s about coverage. The ability to see more, know more, and act faster across a wide range of financial institutions and account types is what separates reactive risk management from proactive decisioning. And in today’s environment, coverage is currency.   The Challenge: Rich Data […]

Nacha’s 2026 Fraud Monitoring Rule Changes: What They Mean and How ValidiFI Helps You Stay Compliant

The holidays are here—lights are twinkling, cookies are baking, and compliance deadlines are… looming? While you’re prepping for gift exchanges, Nacha is prepping for March 2026. Financial institutions (FIs), payment processors, and businesses handling ACH transactions have a big item on their to-do list: implementing risk-based fraud monitoring for all ACH transactions. Think of this […]

Introducing the ValidiFI Product Newsletter

We’re excited to launch our new product newsletter, designed to keep you informed, inspired, and ahead of the curve. Each edition will feature product updates, use cases, industry insights, and practical tips to help you get more value from our solutions.  Whether you’re exploring new capabilities or looking to optimize performance, this newsletter is your […]

Is Your Consumer Credit Risk Strategy Creating Friction and Abandonment?

Are you seeing high consumer drop-off when you ask for bank account information during onboarding? Are you missing out on qualified leads because consumers hesitate to share sensitive financial data? Are you finding that innovation stalls early in your waterfall—especially when bank account and routing number products come later? If you answered “yes” to any […]