{"id":912051,"date":"2025-11-20T08:03:18","date_gmt":"2025-11-20T13:03:18","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-partners-with-plaid-to-launch-next-generation-cash-flow-ultrafico-score\/"},"modified":"2025-11-20T08:03:18","modified_gmt":"2025-11-20T13:03:18","slug":"fico-partners-with-plaid-to-launch-next-generation-cash-flow-ultrafico-score","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-partners-with-plaid-to-launch-next-generation-cash-flow-ultrafico-score\/","title":{"rendered":"FICO Partners with Plaid to Launch Next-Generation Cash Flow UltraFICO\u00ae Score"},"content":{"rendered":"<p>        <!--.bwalignc { text-align: center; list-style-position: inside }body {font:normal small Arial,Helvetica,sans-serif;color:#000;background-color:#fff;padding:24px;margin:0;} a img {border:0;} h3 {font-size:medium;color:#000;margin:0 0 1em 0; text-align:center;}-->  <\/p>\n<p class=\"bwalignc\"><b>FICO Partners with Plaid to Launch Next-Generation Cash Flow UltraFICO<sup>\u00ae<\/sup> Score<\/b><\/p>\n<p class=\"bwalignc\"><i>Partnership will deliver breakthrough scoring solution that maps cash flow insights into the proven FICO<\/i><sup>\u00ae<\/sup><i> Score scale<\/i><\/p>\n<p>BOZEMAN, Mont.&#8211;(<a href=\"http:\/\/www.businesswire.com\">BUSINESS WIRE<\/a>)&#8211;<br \/>\nGlobal analytics software leader <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.fico.com%2F&amp;esheet=54361037&amp;newsitemid=20251120379372&amp;lan=en-US&amp;anchor=FICO&amp;index=1&amp;md5=e5900160862606c9796c8d0b0390457a\"><b>FICO<\/b><\/a><b> (NYSE: FICO<\/b>) today announced a strategic partnership with <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=http%3A%2F%2Fplaid.com%2F&amp;esheet=54361037&amp;newsitemid=20251120379372&amp;lan=en-US&amp;anchor=Plaid&amp;index=2&amp;md5=7d337df0cd14ae89ad219909a4b6f208\"><b>Plaid<\/b><\/a>, a leading financial data network, to deliver the next generation of the cash flow UltraFICO<sup>\u00ae<\/sup> Score. This innovative solution will combine the proven reliability of the FICO Score, used by 90% of top US lenders, with real time cash-flow data from Plaid to provide lenders with a single, enhanced credit score that delivers superior consumer risk assessment without operational complexity.<\/p>\n<p id=\"news-body-cta\">This press release features multimedia. View the full release here: <a href=\"https:\/\/www.businesswire.com\/news\/home\/20251120379372\/en\/\" rel=\"nofollow\">https:\/\/www.businesswire.com\/news\/home\/20251120379372\/en\/<\/a><\/p>\n<p>\nBuilding on FICO&#8217;s trailblazing work in cash flow scoring with the initial release of the UltraFICO<sup>\u00ae<\/sup> Score, this collaboration with Plaid\u2014whose market-leading infrastructure enables consumer-permissioned data from over 12,000 financial institutions\u2014will provide lenders with a more seamless integration, helping transform banking insights into scalable credit decisions. This solution will be distributed through Plaid\u2019s Consumer Reporting Agency, Plaid Check.<\/p>\n<p>\n\u201cThis partnership represents nearly a year of strategic work to address what the market has been demanding\u2014a broader perspective on consumer credit readiness,\u201d said<b> Julie May, vice president and general manager of B2B Scores at FICO<\/b>. \u201cBy bringing together FICO\u2019s trusted credit score intelligence with Plaid\u2019s cash flow data, we\u2019re creating the foundation for more comprehensive lending decisions. This is the beginning of a new chapter in responsible and inclusive lending.\u201d<\/p>\n<p>\nThe enhanced UltraFICO<sup>\u00ae<\/sup> Score solution will leverage cash flow data \u2013 historical and current information about the money flowing into and out of a consumer&#8217;s transaction accounts (e.g., checking, savings, and money market) \u2013 accessed through Plaid&#8217;s open finance network of consumer-permissioned data. Plaid powers nearly 1 million secure financial connections each day and has helped more than half of Americans with a bank account securely move more of their financial life online.<\/p>\n<p>\nThe new score will offer lenders three key advantages in addition to enhanced credit risk performance: alignment to the flagship FICO\u00ae Score to enable confident cash flow adoption without introducing lengthy testing or added risk; streamlined implementation for lenders, minimizing operational complexity and accelerating onboarding; and universal compatibility, giving lenders flexibility to use a cash flow model with the traditional FICO Score irrespective of the channel they use for the FICO Score.<\/p>\n<p>\n\u201cHigh-quality cash flow data is becoming essential for lenders who want a more comprehensive view of a consumer\u2019s financial picture,\u201d said <b>Adam Yoxtheimer, head of partnerships at Plaid.<\/b> \u201cBy combining Plaid\u2019s real-time connectivity and intelligence with FICO in this next generation credit score, we are helping lenders make more confident, inclusive credit decisions through a simple and scalable solution.\u201d<\/p>\n<p>\nFor more information, please email <a rel=\"nofollow\" href=\"mailto:ficoscoreinfo@fico.com\">ficoscoreinfo@fico.com<\/a><\/p>\n<p><b>About FICO<\/b><\/p>\n<p>\nFICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO<sup>\u00ae <\/sup>Score, used by 90% of top U.S. lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency.<\/p>\n<p>\nLearn more at <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.fico.com%2F&amp;esheet=54361037&amp;newsitemid=20251120379372&amp;lan=en-US&amp;anchor=https%3A%2F%2Fwww.fico.com&amp;index=3&amp;md5=23f5bf58bd7da6a60734d2669ac45b58\">https:\/\/www.fico.com<\/a>.<\/p>\n<p><b>About Plaid<\/b><\/p>\n<p>\nPlaid is a data network that serves as the analytics layer for financial services. Plaid&#8217;s data analytics solutions deliver faster, safer onboarding, credit decisioning, payments, and anti-fraud. Plaid works with thousands of companies, including fintechs, Fortune 500 companies, and many of the largest banks to empower people with more choice and control over how they manage their money. Headquartered in San Francisco, Plaid\u2019s network spans over 12,000 institutions across the U.S., Canada, U.K., and Europe. To learn more, please visit <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=http%3A%2F%2Fplaid.com%2F&amp;esheet=54361037&amp;newsitemid=20251120379372&amp;lan=en-US&amp;anchor=plaid.com&amp;index=4&amp;md5=74db908684ee50d97ad9e39e163cd789\">plaid.com<\/a>.<\/p>\n<p>\nFICO<sup>\u00ae<\/sup> and Score A Better Future\u2122 are registered trademarks of Fair Isaac Corporation in the U.S. and other countries.<\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20251120379372r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" style=\"width:0;height:0\" \/><span class=\"bwct31415\" \/><\/p>\n<p id=\"mmgallerylink\"><span id=\"mmgallerylink-phrase\">View source version on businesswire.com: <\/span><span id=\"mmgallerylink-link\"><a href=\"https:\/\/www.businesswire.com\/news\/home\/20251120379372\/en\/\" rel=\"nofollow\">https:\/\/www.businesswire.com\/news\/home\/20251120379372\/en\/<\/a><\/span><\/p>\n<p><b>Press Contacts<br \/>\n<br \/><\/b><br \/><a rel=\"nofollow\" href=\"mailto:Press@FICO.com\">Press@FICO.com<br \/>\n<\/a><\/p>\n<p><a rel=\"nofollow\" href=\"mailto:Press@plaid.com\">Press@plaid.com<\/a><\/p>\n<p><b>KEYWORDS:<\/b> Montana United States North America<\/p>\n<p><b>INDUSTRY KEYWORDS:<\/b> Software Banking Accounting Professional Services Fintech Data Management Technology Data Analytics Insurance Human Resources Finance Consulting<\/p>\n<p><b>MEDIA:<\/b><\/p>\n<table cellpadding=\"3\" cellspacing=\"3\">\n<tr>\n<td><font face=\"Arial\" size=\"2\"><b>Logo<\/b><\/font><\/td>\n<\/tr>\n<tr>\n<td><img decoding=\"async\" src=\"https:\/\/mms.businesswire.com\/media\/20251120379372\/en\/2329913\/3\/fico-logo-coreblue-large.jpg\" alt=\"Logo\" \/><\/td>\n<\/tr>\n<tr>\n<td><font face=\"Arial\" size=\"2\"><\/font><\/td>\n<\/tr>\n<tr>\n<td><font face=\"Arial\" size=\"2\"><b>Logo<\/b><\/font><\/td>\n<\/tr>\n<tr>\n<td><img decoding=\"async\" src=\"https:\/\/mms.businesswire.com\/media\/20251120379372\/en\/2649851\/3\/plaid-logo-horizontal-RGB.jpg\" alt=\"Logo\" \/><\/td>\n<\/tr>\n<tr>\n<td><font face=\"Arial\" size=\"2\"><\/font><\/td>\n<\/tr>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>FICO Partners with Plaid to Launch Next-Generation Cash Flow UltraFICO\u00ae Score Partnership will deliver breakthrough scoring solution that maps cash flow insights into the proven FICO\u00ae Score scale BOZEMAN, Mont.&#8211;(BUSINESS WIRE)&#8211; Global analytics software leader FICO (NYSE: FICO) today announced a strategic partnership with Plaid, a leading financial data network, to deliver the next generation of the cash flow UltraFICO\u00ae Score. This innovative solution will combine the proven reliability of the FICO Score, used by 90% of top US lenders, with real time cash-flow data from Plaid to provide lenders with a single, enhanced credit score that delivers superior consumer risk assessment without operational complexity. This press release features multimedia. View the full release here: https:\/\/www.businesswire.com\/news\/home\/20251120379372\/en\/ Building on FICO&#8217;s trailblazing &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/fico-partners-with-plaid-to-launch-next-generation-cash-flow-ultrafico-score\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;FICO Partners with Plaid to Launch Next-Generation Cash Flow UltraFICO\u00ae Score&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-912051","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FICO Partners with Plaid to Launch Next-Generation Cash Flow UltraFICO\u00ae Score - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/fico-partners-with-plaid-to-launch-next-generation-cash-flow-ultrafico-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FICO Partners with Plaid to Launch Next-Generation Cash Flow UltraFICO\u00ae Score - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"FICO Partners with Plaid to Launch Next-Generation Cash Flow UltraFICO\u00ae Score Partnership will deliver breakthrough scoring solution that maps cash flow insights into the proven FICO\u00ae Score scale BOZEMAN, Mont.&#8211;(BUSINESS WIRE)&#8211; Global analytics software leader FICO (NYSE: FICO) today announced a strategic partnership with Plaid, a leading financial data network, to deliver the next generation of the cash flow UltraFICO\u00ae Score. This innovative solution will combine the proven reliability of the FICO Score, used by 90% of top US lenders, with real time cash-flow data from Plaid to provide lenders with a single, enhanced credit score that delivers superior consumer risk assessment without operational complexity. This press release features multimedia. View the full release here: https:\/\/www.businesswire.com\/news\/home\/20251120379372\/en\/ Building on FICO&#8217;s trailblazing &hellip; Continue reading &quot;FICO Partners with Plaid to Launch Next-Generation Cash Flow UltraFICO\u00ae Score&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.marketnewsdesk.com\/index.php\/fico-partners-with-plaid-to-launch-next-generation-cash-flow-ultrafico-score\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Newsdesk\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-20T13:03:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20251120379372r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" \/>\n<meta name=\"author\" content=\"Newsdesk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Newsdesk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fico-partners-with-plaid-to-launch-next-generation-cash-flow-ultrafico-score\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fico-partners-with-plaid-to-launch-next-generation-cash-flow-ultrafico-score\\\/\"},\"author\":{\"name\":\"Newsdesk\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"headline\":\"FICO Partners with Plaid to Launch Next-Generation Cash Flow UltraFICO\u00ae Score\",\"datePublished\":\"2025-11-20T13:03:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fico-partners-with-plaid-to-launch-next-generation-cash-flow-ultrafico-score\\\/\"},\"wordCount\":773,\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fico-partners-with-plaid-to-launch-next-generation-cash-flow-ultrafico-score\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cts.businesswire.com\\\/ct\\\/CT?id=bwnews&amp;sty=20251120379372r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fico-partners-with-plaid-to-launch-next-generation-cash-flow-ultrafico-score\\\/\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fico-partners-with-plaid-to-launch-next-generation-cash-flow-ultrafico-score\\\/\",\"name\":\"FICO Partners with Plaid to Launch Next-Generation Cash Flow UltraFICO\u00ae Score - 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This innovative solution will combine the proven reliability of the FICO Score, used by 90% of top US lenders, with real time cash-flow data from Plaid to provide lenders with a single, enhanced credit score that delivers superior consumer risk assessment without operational complexity. This press release features multimedia. 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