How PMs Build Fintech Prototypes with Replit + Plaid

Product managers can leverage the Replit platform, particularly its AI Agent, along with Plaid's APIs to rapidly prototype new fintech product ideas. This combination allows for the creation of working demos in as little as 30 minutes, bypassing the need for dedicated engineering resources or complex staging environments. A case study from the company Wholesail illustrates how its Head of Product built a prototype to validate a cash flow data feature, first internally and then with customers. The process enables teams to test integrations, visualize data structures, and gather real-world feedback much faster. For security, it is recommended to use Plaid's Sandbox environment to avoid handling sensitive user data during the prototyping phase.