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

Enhanced Credit Scoring

Make credit scores mean more

By leveraging open banking capabilities for alternative credit scoring solutions, consumers can directly engage with their credit score and gain greater access to credit and loans. It’s the customer’s financial data—shouldn’t they benefit from it?

Customers using our solutions

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Traditional credit review doesn’t always capture the whole story.

Open banking can enhance credit scores and credit risk scoring with additional data points (payments) that can increase a consumer’s odds of approval for loans, apartments and more.

Credit risk scoring illustration - credit risk gauge

Key benefits of a unique credit risk scoring model

Our credit scoring platform offers a frictionless experience that fits with you and your customers’ digital lifestyle. Our independent credit scoring API integrates seamlessly into your existing workflow while also delivering a positive customer experience that’s quick and simple yet powerfully beneficial.

  1. Real-time alternative credit scoring insights for instant impact on a consumer’s credit score.
  2. Delivers a fairer, more precise credit risk assessment based on the borrower’s financial health.
  3. Increasing consumers’ engagement transforms their credit score into a tool for building greater financial health.
  4. Adding data to credit risk scoring models can increase financial accessibility. In the U.S. alone, there are 62 million people who are considered to have a thin file.
Consumer interacting with mobile device - key benefits of credit scoring models & scoring
Person excited looking at mobile device -  credit scoring customer story
Mortgage API - borrower income, assets, and employment verification

Credit scoring API - alternative credit scoring for credit & risk scoring models

Credit scoring API

Check out our API alternative scoring and risk models for lending. Get started and test our APIs or view our documentation at Mastercard Developers.

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You don’t have to be a credit bureau to benefit from our open banking capabilities

Better data. Better decisions.

See how our open banking platform is transforming lending

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