ValidiFI Intelligence Report Reveals Risk Signals Beyond a Presented Bank Account

-2026 1H Intelligence Report reveals behavioral, ownership and payment signals associated with fraud, payment failure and financial instability-

ALPHARETTA, Ga.--(BUSINESS WIRE)--ValidiFI, Inc., a leading provider of alternative data and predictive analytics, today released findings from its latest Intelligence Report, providing organizations with a broader view of consumer banking relationships and the behaviors that uncover emerging fraud, payment and credit risk.

Risk does not exist within a single transaction. It develops across banking relationships, payment behaviors, identity connections, and financial activity over time. An account that was previously verified or approved at onboarding may not present the same level of risk months later as financial circumstances; account usage patterns and ownership relationships evolve. ValidiFI connects these signals to help organizations identify payment and fraud risk earlier, strengthen account verification, reduce payment failures, and make more informed decisions while minimizing unnecessary friction.

ValidiFI's analysis shows how seemingly individual behaviors can become meaningful indicators when viewed in context. For example, accounts associated with an email address that was first seen in the previous 30 days experienced payment failure rates that were five times higher and fraud rates that were six times higher. Accounts that failed ownership authentication showed nearly 11 times higher payment failure rates, while identities connected to five or more bank accounts were associated with 76% higher risk.

"Risk rarely appears as a single event. More often, it develops through changes in account relationships, payment history and consumer behavior only reflected in recurring transactional analyses that traditional models may not capture," said John Gordon, CEO of ValidiFI. "Bringing those signals together helps organizations understand more than whether an account is valid. They provide insight into who is behind the account, the stability of the relationship, and how past and current behavior and financial pictures can tell us about future outcomes. That context helps businesses make smarter decisions, reducing friction for trusted consumers while applying additional scrutiny when risk indicators warrant it."

To learn more, download ValidiFI's latest Intelligence Report, The Bank Account Footprint: Closing the Gap Between Real-Time Account Risk and Historical Risk Models, and complementary infographic.

About ValidiFI

ValidiFI powers smarter decisions across payments and lending through predictive bank account and credit risk intelligence. Using permissioned and non-permissioned data, ValidiFI transforms account, identity and payment signals into actionable insights that help financial institutions and fintechs validate accounts, detect fraud and assess risk with greater precision. By integrating behavioral indicators and performance data within a robust network, ValidiFI enables organizations to reduce friction, mitigate losses and strengthen confidence across the financial lifecycle. For more information, visit validifi.com.