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.

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Income icon


Employment verification icon


Cash flow icon

Cash Flow


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Scoring Attributes

Lending API - Assets - Balance, Deposits, Savings


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.

Lending API - Income Verification
Lending API - Employment History


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.

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.

Lending API - Cash Flow Analysis

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. 

Scoring Attributes

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

Scoring Attributes
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


Lending where the
consumer comes first

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Intelligent data

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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lending API for credit decisioning and verification of income and assets

Lending APIs

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.

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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.