Finicity is part of the Mastercard family. Our open banking platform provides the financial data you need.

Open banking for Lending

Tomorrow’s lending experience starts here

It’s pretty simple. Borrowers want a better experience. Lenders want the most accurate and real-time data for credit decisioning and better risk management. So we’ve combined the best data with smart insights and lending APIs to transform digital lending. And all this with true FCRA compliance.

Assets icon

Assets

Income icon

Income

Employment verification icon

Employment

Cash flow icon

Cash Flow

Scoring attributes icon

Scoring Attributes

Lending API - Assets - Balance, Deposits, Savings

Assets

All the real-time, bank-validated insights you need to make the best decisions, delivered in seconds.

Lending API - Income Verification

Income

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.

Lending API - Employment History

Employment

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.

Lending API - Cash Flow Analysis

Cash Flow

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.

Scoring Attributes

Scoring Attributes

Wanting to keep score? Receive attributes and analytics to create or inform credit scoring models for simplified decisions and broad applicability.

Compliant data snapshots

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

95% coverage

Better connections
means better data

CRA

Lending where the
consumer comes first

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Intelligent data

Illuminated light bulb image - better insights for smarter lending decisions

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.

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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.