Alain Meier

Excited to ship 2 new features in our Beacon anti-fraud product. 1: Data breach reports. See when your users' personal data shows up in data breaches 2: Search by account + routing number These two products will be free to new & existing customers. plaid.com/blog/fraud-def…

@Anamlakhani_ Shoot me an email! ameier@plaid.com

@alain Hey would love to learn more about this! We’re an investing app

Today, we're announcing something very simple: Sign up with Plaid. That “simple” thing increases end-to-end sign up rates by 10 - 25%, and we're calling it Plaid Layer. Here’s how we give you the Internet’s fastest, highest converting financial onboarding experience 🧵

@codybarbo @trustandwill Shoot me an email and we can get you going! ameier@plaid.com

@alain @alain would love to connect to see how we can implement this for @trustandwill

They’re one of the providers we’re using on the SNA side, but don’t leverage them for risk signals today. We have extensively tried multiple SNA providers. None of them are ready for broader business use (imo) without a ton of work to smooth over the edges (which we have done with lots of trial and error)

@andrewe @rexsalisbury @alain @Alain is Twilio in the mix here? I know @trulioo also has a great network of global telcos for IDV applications. Also good to hear on the behind the scenes checks, that sounds smart.

Layer from Plaid (announced today) is pretty awesome! provides nearly "Instant onboarding" for users already connect to plaid's network (1/3 of all consumers). keys off of your phone number and pre-populates your KYC info. Similar to how Shopify Pay works for checkout but for onboarding for a new financial account. Plaid claims increases end-to-end sign up rates by 10 - 25%, which is a huge lift for their customers. Anyone here using it yet?

@andrewe @tpurves @rexsalisbury One more thing to add is later this year we plan to allow users to have “Passkey-only” mode, which will remove all other login methods. If you lose your passkey, you have to start fresh

@tpurves @rexsalisbury Different unit economics for wallets like Link and Shop but I’d expect Stripe and Shopify to support SNA as it expands and Twilio can bring costs down. (assuming it’s Twilio, @alain)

Yeah - of course all of this was one of the primary design goals. There’s a ton happening behind the scenes with respect to trusted device IDs, historical account linking locations, carrier-level swap and port data, attribute velocities, SNA (which you called out, that can’t be phished), Passkeys etc that we check in the background. This isn’t your garden variety authentication :)

@wminshew On the roadmap :)

@alain possible to do step 1 w email instead?

Some of my favorite key features: 🔑 Next-level user authentication, powered by direct-to-carrier SIM authentication, our ML models for thwarting bad actors, Passkeys for seamless login, and our network of trusted devices 📊 You can make sure that only users who have *exactly the data you need* on file go through this experience. Everyone else uses your existing signup flow. 🎉 We only charge you when users successfully share their information and link an account with you. Our incentives are 100% aligned with yours. 🧠 We called it Layer because it's a layer that sits on top of your sign up flow that only appears when it benefits you and your users It's available starting today. Check it out: plaid.com/blog/introduci…

1. 📱 You send us your user's phone number when they're signing up for your service. From that, Plaid tells you whether that user is in the Plaid network 2. ⚡ In-network users are given the choice to sign up instantly with Plaid. Layer authenticates the user, and then presents them everything from their name and date of birth to their SSN and their most relevant previously linked bank account 3. 🌐 Your user hits "Share" and instantly permissions their full identity so you can KYC them. This also links a bank account in one tap (for supported institutions) This is a *massive* improvement in user onboarding. It's an 87% reduction in end to end financial onboarding time - KYC to account linking. And it works, today, for tens of millions of users who are already in our network.

We’re so back

@rsnous #m14185978" target="_blank" rel="nofollow noopener">neoseeker.com/forums/23724/t…

Has anyone made an app that you can only use when your phone screen is facing down / away from you

Junior manager mistake: the goal of a leader isn't to make your team happy It's to make them feel like the company is winning, and that they're contributing to that. Happiness usually follows, but is not the goal in and of itself.

gimme that imax google doc. im ready to mainline product review documents. snort engineering specs and engulf my vision in insightful google comments starting with "I would like to challenge you all to think holistically about..."

Purely “revenue” or “impact” oriented product management has zero passion for making great things. Your product will always be boring, and your customers will never love what you’ve built

The health of your product and engineering organization is inversely proportional to the time it takes to ship a feature like dark mode

I’m done designing vanilla user interfaces. They’re a solved problem. Easy. Give me SwiftUI Metal shaders, 3D spaces, and mix-blend-mode textures with lighting effects

The concept of having people at your company who are very competent and have 0 fear of being fired is extremely underrated. There’s a reason they can get so much more done than those who are optimizing for optics

Holy shit I'm designing with inner shadows, bezels, button gradients, and depth again for the first time since 2012 We're so back

Most product managers are painfully mid. The only PMs who break out exhibit at least one of the following: - Design ability - Coding skills - Deep GTM execution skills - 99th percentile taste Otherwise, they’re destined for a career of filling out Google Docs