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QUARTERLY INSIGHTS

Bank account and payment intelligence

Your resource for in-depth quarterly reports and insights of consumer bank accounts, payments, and performance. Explore behavioral trends and predictive data and analytics—empowering you with the knowledge to make smarter decisions.

Infographic

An Alternative View of Credit Risk

Layering ValidiFI’s risk score with traditional credit scores transforms static views into actionable insights. Real-time bank data uncovers hidden risk and opportunity, revealing what conventional scores miss. Explore our infographic to see how vCredit helps lenders identify safer approvals, optimize portfolios, and move beyond legacy decisioning.

Ebook

Rethinking Credit Scoring in the Age of Shifting Financial Behaviors

In our latest report, we explore why traditional credit scores alone can’t keep pace with today’s volatile financial landscape. Discover how layering real-time bank account and payment intelligence with conventional scoring uncovers hidden risks and opportunities. Learn how vCredit empowers lenders to segment risk more precisely, reduce defaults, and confidently expand approvals—all while adapting to fast-changing consumer behaviors.

Credit scores aren’t telling the full story—real-time bank data is now essential for accurate risk assessment

Static credit scores treat bands as uniform, but ValidiFI’s real-time signals reveal risk can vary dramatically within the same range

Consumers with 9+ credit inquiries in 30 days surged more than 100% year-over-year—an early warning sign of financial strain and fraud risk

Latest Insights

Infographic

Infographic: An Alternative View of Credit Risk

Infographic

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...

ebook,Insights

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

ebook,Insights

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...

Press Release

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

Press Release

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...

Press Release

Q2 Report Finds High-Risk Accounts Fail Up to 4X More Often

Press Release

This Quarter’s Report Reveals Critical Need for Advanced Account Verification and Authentication as Real-Time Payments Increase Fraud Risk ALPHARETTA, Ga., September 25, 2025—ValidiFI, Inc., the...

ebook,Insights

Q2 2025 Report: Real-Time Payments, Real-Time Risk

ebook,Insights

Discover how real-time intelligence and enriched data signals can help organizations outpace fraud and compliance challenges. Instead of relying on outdated, manual account verification, ValidiFI...

Infographic

Infographic: Smarter Decisions with Real-Time Account Visibility

Infographic

Rethink risk management with actionable data signals and instant account validation and authentication that can proactively identify risk and detect fraud. Empower your team to move beyond static...

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Bank account and payment intelligence

An Alternative View of Credit Risk

Rethinking Credit Scoring in the Age of Shifting Financial Behaviors

Credit scores aren’t telling the full story—real-time bank data is now essential for accurate risk assessment

Static credit scores treat bands as uniform, but ValidiFI’s real-time signals reveal risk can vary dramatically within the same range

Consumers with 9+ credit inquiries in 30 days surged more than 100% year-over-year—an early warning sign of financial strain and fraud risk

Latest Insights

Infographic: An Alternative View of Credit Risk

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

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

Q2 Report Finds High-Risk Accounts Fail Up to 4X More Often

Q2 2025 Report: Real-Time Payments, Real-Time Risk

Infographic: Smarter Decisions with Real-Time Account Visibility

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