{"id":12486,"date":"2023-10-31T09:46:44","date_gmt":"2023-10-31T09:46:44","guid":{"rendered":"https:\/\/businessyield.com\/tech\/?p=12486"},"modified":"2023-11-01T10:00:09","modified_gmt":"2023-11-01T10:00:09","slug":"plaid","status":"publish","type":"post","link":"https:\/\/businessyield.com\/tech\/fintech\/plaid\/","title":{"rendered":"PLAID: What Is It, How It Works, &amp; How Secure Is It?","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"\n<p>The financial sector has witnessed a remarkable evolution in terms of payments, sharing financial data, and ensuring security. One notable innovation that has emerged as a pivotal player in this landscape is Plaid. But what exactly is Plaid, how does it function, and, perhaps most importantly, how secure is it? Stick with me and you&#8217;ll find out in a few minutes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-overview-of-plaid-fintech\"><span id=\"overview-of-plaid-fintech\">Overview of Plaid Fintech<\/span><\/h2>\n\n\n\n<p>Plaid is a fintech enterprise that specializes in delivering software infrastructure and solutions to facilitate the integration of diverse financial applications and services with banks and financial institutions. It was launched in 2013 under the leadership of Zach Perret and William Hockey. The primary objective of Plaid is to enhance the accessibility and security of financial data for developers and enterprises. It provides a means for developers to establish a connection between their applications, including budgeting apps, investment platforms, payment processors, and the bank accounts of users. This allows users to conveniently access and effectively manage their financial information within the specified applications.<\/p>\n\n\n\n<p>Furthermore, it has forged extensive partnerships with other financial institutions, both domestically in the United States and internationally. The integration with Plaid&#8217;s platform enables developers to conveniently access a diverse array of banking and financial data sources. Plaid prioritizes the safeguarding of data security and privacy. Encryption and various security protocols are employed to safeguard sensitive financial data, guaranteeing secure transmission between financial institutions and applications. A wide range of fintech startups and providers of financial services use the technology that Plaid developed. It is frequently utilized in various applications in personal finance management, budgeting, investment tracking, lending, and other related domains. Plaid is a widely utilized platform by numerous prominent financial applications and services to access consumers&#8217; financial information.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-plaid-work\"><span id=\"how-does-plaid-work\">How Does Plaid Work?<\/span><\/h2>\n\n\n\n<p>Plaid works by providing a collection of application programming interfaces (APIs) that developers can incorporate into their software applications. This integration makes it possible for users to connect their bank accounts securely to the app, which makes it easier to get financial information and give people access to data. This simply means that Paid assumes the responsibility of managing the intricate connections and standardizing data across multiple financial institutions.<\/p>\n\n\n\n<p>Suppose a user establishes a connection between their bank account and the budgeting application via the Plaid platform. The application might subsequently use the data supplied by Plaid to:<\/p>\n\n\n\n<ul>\n<li>Present the user&#8217;s most recent transactions, classifying them according to expenditure categories such as food, utilities, or entertainment.<\/li>\n\n\n\n<li>Determine the user&#8217;s prevailing account balance and conduct a comparative analysis with their budgetary allocation.<\/li>\n\n\n\n<li>Generate spending statistics and trends to help the user make informed financial decisions.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-plaid-competitors\"><span id=\"plaid-competitors\">Plaid Competitors<\/span><\/h2>\n\n\n\n<p>The following are some of the top Plaid competitors:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-token-io-nbsp\"><span id=\"1-token-io\">#1. Token.io&nbsp;<\/span><\/h3>\n\n\n\n<p>First on our list of Plaid competitors is Token.io. Token.io is a financial technology (fintech) firm that specializes in delivering services related to open banking and payment infrastructure. It provides application programming interfaces (APIs) and software tools that enable the secure and compliant processing of digital payments and the retrieval of data.<\/p>\n\n\n\n<p>Generally, Token.io provides organizations with the capability to establish and oversee digital payment encounters, encompassing the initiation of payments and the establishment of connections between accounts. The primary objective is to streamline and optimize the process of conducting financial transactions and retrieving information. Financial institutions, fintech startups, and businesses from various regions\u2014including Europe and North America\u2014use Token.io&#8217;s services.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-linqto\"><span id=\"2-linqto\">#2. Linqto<\/span><\/h3>\n\n\n\n<p>Linqto is a financial technology (fintech) firm that specializes in offering application programming interfaces (APIs) and solutions tailored to the investing and wealth management sectors. The platform provides a means for people and organizations to gain access to and allocate funds towards alternative assets, encompassing opportunities inside the private market. Linqto provides customers with the opportunity to engage in private equity and various investment possibilities via its platform. The primary objective of this initiative is to promote equal access to alternative investment opportunities. Several stakeholders use the Linqto platform, including investors, venture capital firms, and businesses looking to raise money through private placements.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-yodlee\"><span id=\"3-yodlee\">#3. Yodlee<\/span><\/h3>\n\n\n\n<p>Next on our list of top Plaid competitors is Yodlee. This is a subsidiary of Envestnet and it specializes in collecting and analyzing financial data. The platform offers application programming interfaces (APIs) and software tools that facilitate the acquisition and utilization of financial data from many origins for organizations, including fintech firms and financial institutions. Yodlee provides data aggregation services, transaction categorization, and financial data analytics to facilitate businesses in obtaining a comprehensive understanding of their customers&#8217; financial behaviors and requirements. Furthermore, it caters to a diverse clientele encompassing banks, credit unions, wealth management businesses, and fintech startups.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-finbox\"><span id=\"4-finbox\">#4. Finbox<\/span><\/h3>\n\n\n\n<p>Finbox is a comprehensive financial data and analytics platform designed to serve the needs of investors, analysts, and enterprises. The primary objective of this software is to offer a comprehensive range of tools that facilitate the process of conducting basic analysis and evaluating the financial performance of firms. Finbox provides a comprehensive range of financial models, valuation indicators, and data screening tools that aid customers in making informed investment decisions. Frequently employed applications of this tool encompass stock screening, valuation analysis, and financial modeling. Finbox primarily caters to the needs of investors and financial professionals who seek comprehensive financial research and advanced modeling skills.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-truelayer\"><span id=\"6-truelayer\">#6. TrueLayer<\/span><\/h3>\n\n\n\n<p>TrueLayer is a financial technology (fintech) enterprise headquartered in the United Kingdom, with a primary focus on open banking. The platform offers application programming interfaces (APIs) and services that facilitate the secure and compliant retrieval of financial data from banks and other financial institutions.&nbsp; TrueLayer provides a range of services, including account verification, payment initiation, and data enrichment. The utilization of open banking data facilitates the development of inventive financial goods and services for enterprises. TrueLayer predominantly operates inside the European market and has emerged as a significant participant in the open banking landscape of the region, collaborating with established financial institutions as well as innovative financial technology firms.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-plivo\"><span id=\"6-plivo\">#6. Plivo<\/span><\/h3>\n\n\n\n<p>Plivo is a cloud-based communications platform that provides application programming interfaces (APIs) for phone and short message service (SMS) communication. Although Plivo does not directly compete with Plaid in the field of financial data aggregation, its communication APIs can be included in fintech applications to facilitate various services such as SMS notifications, authentication, and customer support. Enterprises can use the Plivo platform to improve client interaction and communication by facilitating the provision of voice and SMS services. Various businesses, including those in the fintech, e-commerce, and healthcare sectors, use Plivo&#8217;s application programming interfaces (APIs) to improve their client communication strategies.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-7-tink\"><span id=\"7-tink\">#7. Tink<\/span><\/h3>\n\n\n\n<p>Tink is a Swedish financial technology (fintech) firm that offers open banking application programming interfaces (APIs) and related services. This technology facilitates the provision of financial data, the initiation of payments, and the development of customized financial experiences for customers by various entities, such as banks and fintech companies. Tink&#8217;s platform provides users with the ability to aggregate accounts, initiate payments, and manage personal finances. Businesses can optimize and improve their services by using open financial data. Tink possesses a robust market presence in the European region and caters to a diverse clientele within the financial services sector, providing valuable assistance in navigating the complex terrain of open banking.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-8-mx\"><span id=\"8-mx\">#8. MX<\/span><\/h3>\n\n\n\n<p>Next on our list of top Plaid competitors is MX, which was previously referred to as Money Desktop. MX is a financial technology (fintech) organization that offers data aggregation and augmentation services to both financial institutions and fintech startups. The primary aim of this initiative is to assist organizations in providing a comprehensive perspective on the financial aspects of their customer&#8217;s lives. With this in mind, MX has always provided a range of services, including data aggregation, data purification, and categorization. Additionally, it offers personal financial management (PFM) technologies that enable individuals to efficiently manage their financial resources. MX caters to a diverse range of clients, encompassing banks, credit unions, and fintech companies, by assisting them in enhancing their digital banking experiences and effectively engaging customers through the provision of financial information.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-9-flinks\"><span id=\"9-flinks\">#9. Flinks<\/span><\/h3>\n\n\n\n<p>The last item on our list of top Plaid competitors is Flinks. Flinks is a Canadian financial technology (fintech) firm that specializes in aggregating financial data. Generally, it provides application programming interfaces (APIs) and comprehensive solutions that facilitate the establishment of connections between businesses and their customers&#8217; bank accounts, enabling the verification of account information. That explains why many refer to it as an open banking platform. It&#8217;s simple because Flinks facilitates the seamless and streamlined use of financial data. It competes with Plaid in terms of financial data APIs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-plaid-api\"><span id=\"plaid-api\">Plaid API<\/span><\/h2>\n\n\n\n<p>Plaid is a fintech firm that offers Application Programming Interfaces (APIs) to facilitate the development of applications and services capable of accessing and engaging with financial data sourced from banks and other financial institutions. Plaid&#8217;s application programming interfaces (APIs) enable the seamless incorporation of banking and financial data into diverse applications, including but not limited to personal money management applications, budgeting tools, investing platforms, and similar software solutions.<\/p>\n\n\n\n<p>The platform provides authentication application programming interfaces (APIs) that enable users to establish a secure connection between their bank accounts and a certain application. This process entails the verification of the user&#8217;s identification and subsequent access to their financial data, contingent upon their explicit authorization. The APIs offered by Plaid have garnered significant attention from fintech companies, banks, and other entities within the financial services sector due to their ability to streamline the retrieval and administration of financial data. This, in turn, enhances user experiences and facilitates the development of novel financial services.<\/p>\n\n\n\n<p>Plaid APIs offer developers the capability to access account information, encompassing balances, transaction history, account numbers, and additional data. The acquisition of this information is crucial for the development of financial management and analysis tools.<\/p>\n\n\n\n<p>It also offers access to comprehensive transaction data, facilitating the categorization of expenditures, the generation of spending reports, and the monitoring of financial activity.&nbsp;<\/p>\n\n\n\n<p>Plaid&#8217;s application programming interfaces (APIs) facilitate the initiation of Automated Clearing House (ACH) payments and transfers, allowing consumers to immediately initiate these transactions from their bank accounts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-should-i-let-plaid-access-my-bank-account\"><span id=\"should-i-let-plaid-access-my-bank-account\">Should I let Plaid Access My Bank Account?<\/span><\/h2>\n\n\n\n<p>Since banking with Plaid is secured, you can if you wish.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-plaid-still-safe-to-use\"><span id=\"is-plaid-still-safe-to-use\">Is Plaid Still Safe to Use?<\/span><\/h2>\n\n\n\n<p>Yes, it&#8217;s deemed safe for use. Plaid authenticates your financial information, allowing businesses to securely send critical information.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-plaid-trusted-by-banks\"><span id=\"is-plaid-trusted-by-banks\">Is Plaid Trusted by Banks?<\/span><\/h2>\n\n\n\n<p>Yes, using Plaid for banking is generally safe. Plaid adheres to stringent security standards to keep sensitive data out of the hands of criminals. Furthermore, Plaid enables consumers to examine and control the data they&#8217;ve supplied.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-does-plaid-want-my-bank-username-and-password\"><span id=\"why-does-plaid-want-my-bank-username-and-password\">Why does Plaid want my Bank Username and Password?<\/span><\/h2>\n\n\n\n<p>To securely access and transmit information on your behalf to the different financial technology applications you may utilize, Plaid necessitates the provision of your bank username and password.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-i-remove-a-plaid-from-my-bank-account\"><span id=\"how-do-i-remove-a-plaid-from-my-bank-account\">How Do I Remove a Plaid from My Bank Account?<\/span><\/h2>\n\n\n\n<p>You can remove your bank account or other information at <a href=\"https:\/\/my.plaid.com\">https:\/\/my.plaid.com<\/a>. A data deletion request can also be submitted via the support channel.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-should-i-give-plaid-my-bank-login-information\"><span id=\"should-i-give-plaid-my-bank-login-information\">Should I give Plaid my Bank Login Information?<\/span><\/h2>\n\n\n\n<p>You should, given the fact that it&#8217;s safe. In truth, Plaid secures login information and does not transmit it to the app. Plaid safeguards your data in this scenario using a variety of industry-level measures.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-happens-if-you-don-t-see-your-bank-on-plaid\"><span id=\"what-happens-if-you-dont-see-your-bank-on-plaid\">What Happens if You Don&#8217;t See Your Bank on Plaid?<\/span><\/h2>\n\n\n\n<p>If you&#8217;re unable to see your bank institution on the Plaid platform, it will be necessary for them to manually input their bank account and routing information. This process enables Plaid to authenticate your account by utilizing micro-deposits, thereby facilitating the establishment of direct deposit. Plaid will compare the provided information with the data stored at the financial institution.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-does-plaid-take-your-money\"><span id=\"does-plaid-take-your-money\">Does Plaid Take Your Money?<\/span><\/h2>\n\n\n\n<p>No, Plaid does not take your money or charge you to use its service. On the other hand, the app that wants to share financial information pays a fee. Plaid has a network of more than 10,000 banks and credit unions that can use its service.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-you-avoid-using-plaid\"><span id=\"how-do-you-avoid-using-plaid\">How Do You Avoid Using Plaid?<\/span><\/h2>\n\n\n\n<p>Please choose between manually linking your bank account or using an alternative payment option. This feature enables users to have greater autonomy over their data.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-does-plaid-charge-a-fee\"><span id=\"does-plaid-charge-a-fee\">Does Plaid Charge a Fee?<\/span><\/h2>\n\n\n\n<p>Yes, Plaid charges a fee but this fee is paid by the app requesting its service and not the user.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-related-articles\"><span id=\"related-articles\">Related Articles<\/span><\/h2>\n\n\n\n<ul>\n<li><a href=\"https:\/\/businessyield.com\/tech\/how-to\/how-to-setup-apple-pay\/\" target=\"_blank\" rel=\"noreferrer noopener\">HOW TO SETUP APPLE PAY: Step-By-Step Guide<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/businessyield.com\/tech\/reviews\/api-connect\/\" target=\"_blank\" rel=\"noreferrer noopener\">API CONNECT: Reviews, Pricing, Features, Pros, Cons &amp;amp; More<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/businessyield.com\/tech\/how-to\/charge-iphone-without-charger\/\" target=\"_blank\" rel=\"noreferrer noopener\">7 WAYS TO CHARGE IPHONE WITHOUT CHARGER<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/businessyield.com\/tech\/how-to\/how-to-send-money-apple-pay\/\" target=\"_blank\" rel=\"noreferrer noopener\">HOW TO SEND MONEY APPLE PAY: The Ultimate Guide<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-references\"><span id=\"references\">References<\/span><\/h2>\n\n\n\n<ul>\n<li><a href=\"http:\/\/www.investopedia.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">investopedia.com<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/www.caminofinancial.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">caminofinancial.com<\/a><\/li>\n<\/ul>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"The financial sector has witnessed a remarkable evolution in terms of payments, sharing financial data, and ensuring security.&hellip;\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":244,"featured_media":14163,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[86],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.9 (Yoast SEO v22.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>PLAID: What Is It, How It Works, &amp; How Secure Is It?<\/title>\n<meta name=\"description\" content=\"Plaid is a fintech firm that provides a safe platform for other financial apps to connect with its clients&#039; bank accounts.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessyield.com\/tech\/fintech\/plaid\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PLAID: What Is It, How It Works, &amp; How Secure Is It?\" \/>\n<meta property=\"og:description\" content=\"Plaid is a fintech firm that provides a safe platform for other financial apps to connect with its clients&#039; bank accounts.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessyield.com\/tech\/fintech\/plaid\/\" \/>\n<meta property=\"og:site_name\" content=\"Business Yield Technology\" \/>\n<meta property=\"article:published_time\" content=\"2023-10-31T09:46:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-11-01T10:00:09+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/businessyield.com\/tech\/wp-content\/uploads\/sites\/2\/2023\/10\/BEST-GROWTH-STOCKS-2023-10-30T084904.029.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Uchenna Nwokolo\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Uchenna Nwokolo\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessyield.com\/tech\/fintech\/plaid\/\",\"url\":\"https:\/\/businessyield.com\/tech\/fintech\/plaid\/\",\"name\":\"PLAID: What Is It, How It Works, &amp; 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