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

Open Banking Platform

Smarter data.
Better innovations.

Open banking data & chart visualization on a mobile device

You need a platform for innovation that opens a world of consumer-permissioned data.

Look no further. We’ve created trusted and proven open banking APIs to get your products and services to market faster and easier. Now you can focus on improving the financial outcomes of your customers: Better data. Better insights. Better partnership.

Empower your customers
with data

Our open banking APIs put consumers in control of their financial data for additional security, more inclusion and better outcomes. Five core tenets of our open banking platform make this possible.

Open banking & open banking api white paper
Coworkers analyzing financial data on laptop

Better data.
Better connections.

Whether you’re seeking data from one of the largest financial institutions or the smallest credit union, we have you covered. With connections to more than 10,000 financial institutions, we cover over 95% of the U.S. market.

On top of that, our connections are just better. Period. We lead the market in direct data agreements for tokenized access with most of the largest FIs such as Chase, Wells Fargo, Capital One, CitiBank, Fidelity and many others.

We’ve tested it in the most rigorous markets where data quality is an absolute must. The results? Better data and, ultimately, better outcomes for you.

Financial & open banking data on monitor

Enabling rapid integration

We’re committed to our partners’ success, focusing on agility and flexibility. This not only makes us an effective partner, it also enables client growth and greater value for everyone.

Smart data does more

We aren’t a run-of-the-mill data aggregator. Our open banking platform adds intelligence and deep learning to our data services in the analytics layer to deliver superior cleansing and categorization to sophisticated insights like scoring, verifications and cash flow.

Consumer interacting with mobile device - smart data & open banking
Mortgage API - borrower income, assets, and employment verification

Open banking API & platform - api example

Developer friendly open banking APIs

Check out our collection of APIs connected to our open banking platform. Get started and test our APIs or view our documentation at Mastercard Developers.

More Resources

Rise of open banking report

Mastercard’s market research report measures the early demand and drivers of adoption for the promise of better-connected financial services in North America.

The open banking effect: payments

Open banking powers secure, rapid, delivery of digital financial services–including payments. Consumer-permissioned data reduces failed payments and mitigates risk enhancing the payment experience for financial institutions, fintechs and their customers.

Our perspective on open banking data sharing

Advancing consumer empowerment and unleashing the potential of data depends on the right of the consumer to own, employ, and easily access their data.

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