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

Cash Flow

Smart data.
Rich insights.

Lending just got easier.

Cash flow analysis & verification API - credits, debits, and balances.

A clear analysis

The best view into personal and small business lending is through a clear cash flow analysis of credits, debits and balances. So we’re providing up to 24 months of rich cash flow attributes via API giving lenders better, more accurate insights into a borrower’s creditworthiness.

Cash Flow includes:

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Trending and balance insights

Inflow outflow icon

Inflow and outflow transaction streams

Credit vs. debit icon

Credit vs. debit
analysis for consolidated view of cash flow

Lenders icon

Identification of potential transactions from other lenders

Consumer interacting with mobile device - key benefits

Key benefits

We deliver a consumer-centric and lender-friendly delivery model by providing maximum connection reliability and high-quality data with always-on, always-there support capabilities.

  1. FCRA-compliant for personal lending
  2. Better assess and manage risk
  3. Easily inform your cash flow and other financial models

Now imagine what you can do

It’s not just about the best data and insights. It’s about having a platform to innovate, transform and create. Now, go change the world.

Automate the underwriting processes

Simplify the customer experience

Open up new lending opportunities

Evolve to next-gen decisioning

More Resources


Credit decisioning made easy

Five key problems in credit decisioning open banking is solving.

Get started today

Chat with sales to get started using Finicity’s data for better insights

Open banking in lending  

Open banking’s impact on lending is just beginning

Certain open banking solutions are provided by Finicity, a Mastercard company.