Author: Nikole.Thompson

Ebook: How consumer Lenders can scale portfolios without increasing risk

Unlocking Smarter Growth: How consumer Lenders can scale portfolios without increasing risk More than 50% of U.S. consumers live paycheck to paycheck including 30% of high-income earners. Short-term consumer lenders are finding it increasingly difficult to grow portfolios without spiking key risk metrics like first-payment default (FPD), delinquency, or never pay. ValidiFI transforms credit risk […]

Event Contact Us

Heading to Faster Payments Council Conference? We’d love to connect while you’re there. Whether you want to learn more about reducing payment risk, increasing approvals, detecting fraud, or seeing what your data can unlock, ValidiFI it in person with our experts. Bank account & ownership validation Rela-time payment risk intelligence Compliance ready, actionable data   […]

Data Takes Fraud Spotlight as Banks Shift to Real-Time Operations

  Artificial intelligence has become a buzzword so pervasive in financial services that it may already be at risk of losing its punch. Behind the hype, the fundamentals of how banks and FinTechs operate are being fundamentally reshaped. This isn’t a wholesale rug-pull of core infrastructure. Banks and FinTechs have long used AI, even if they don’t always recognize it. Legacy systems built […]

Bank Account Data Becomes the Lender’s Trust Engine

PYMNTS Halftime 2025: Bank Account Data Can Help Protect Firms From Fraud The first half of 2025 has marked a transformative period for the payments and financial services industries. Generative and agentic AI are revolutionizing everything from real-time fraud detection to customer engagement, while consumer expectations continue shifting toward speed, flexibility and embedded finance. At […]

Key Insights from the Smarter Faster Payments Conference: ValidiFI’s Role in Shaping the Future of Payment Security and Compliance

At last month’s Smarter Faster Payments Conference, sponsored by Nacha, we enjoyed hearing what is top of mind for key industry players and attendees.  The event provided a valuable opportunity to connect with thought leaders and gain insights into the evolving landscape of payment solutions.   As exhibitors at the conference—where Shawn Princell, EVP of sales […]

Nilson Report: Account Validation, Fraud Fighting and Risk Analysis

ValidiFI is featured in the April 2025 edition of The Nilson Report. In its 54th year of publication, Nilson Report is the most respected source of news and analysis of the global card and mobile payment industry.  To see the full article, visit Account Validation, Fraud Fighting and Risk Analysis – Nilson Report

PayPod Podcast: How Alternative Data Transforms Credit Risk – with John Gordon

In a recent episode of PayPod: The Payments and Fintech Podcast, John Gordon, CEO of ValidiFI, sat down to discuss one of the most pressing challenges in financial services today: how to fairly and accurately assess credit risk in a world where traditional credit scores often fall short. You can watch the full episode here. […]

Q1 2025 Report: Power of Profiles

ACH volumes are soaring across all categories, with consumers and businesses alike switching to faster payments options. But this also brings vulnerabilities and risks. This report reveals key consumer banking profiles, behaviors and contextual insights so you can identity high-risk and low-risk consumers in real-time, before onboarding or making a transaction. 

Infographic: Power of Profiles: Top Banks, Noebanks & Credit Unions

Get deeper, real-time insights into consumer profiles across top U.S. banks, neobanks, and credit unions. Use these insights to identify high-risk identities and increase confidence in knowing an account is good before onboarding or sending payments.  Download infographic:

Phixius by Nacha Expands Bank Account Validation Coverage With ValidiFI

NEW ORLEANS–(BUSINESS WIRE)–Phixius by Nacha—a secure, peer-to-peer payment information network—announced today that ValidiFI is live on the Phixius network as an additional provider of bank account validation. Phixius now offers multiple providers of account validation, expanding the coverage of account validation data for Phixius users. “Phixius provides the connective tissue to reach multiple account validation […]