All the real-time, bank-validated insights you need to make the best decisions, delivered in seconds.
Give us 30 seconds and we’ll give you up to two years of income history. Filter that through our data intelligence and you’ve got identified income streams ranked with confidence scores. It’s pretty remarkable.
No more phone calls to employers. In just a few minutes, you’ve got all the information you need, courtesy of the best data access and insights around.
Our deep analytics allows us to look at a borrower’s credits, debits and balances to deliver an array of rich, extensive cash flow data attributes for a more complete story of a borrower’s financial situation.
Next-gen SMB Lending
Leverage Mastercard’s open banking data, analytics and predictive insights solutions designed specifically for small to medium-sized business (SMB) service providers. We’re transforming business lending with accurate, user-permissioned, real-time insights.
Wanting to keep score? Receive attributes and analytics to create or inform credit scoring models for simplified decisions and broad applicability.
Accurate, compliant data is also available in a statement and as a 24-month transaction snapshot
Data as it should be
Consumer-permissioned and straight from the source
means better data
Lending where the
consumer comes first
Better insights for smarter lending decisions.
Our focus and coverage in the mortgage industry has enhanced our ability to provide better, more accurate data for any lending decision.
Check out our APIs for lending that include income verification, credit decisioning, cash flow, assets and employment verification. Sign up and test our APIs or learn more with our docs.
Open banking is transforming lending
Consumer-permissioned data enabled through our open banking services provides the powerful, real-time data needed to depict a consumer’s comprehensive financial story.
Lending is changing
Customers are increasingly turning to financial institutions offering the most convenience. Embracing a digital lending experience will simplify their lending experience and yours.
5 key problems in credit
decisioning and how open
banking solves them
Lenders need the enhanced assessment open banking delivers in order to remedy these five problems in today’s credit market.
Certain open banking solutions are provided by Finicity, a Mastercard company.