Customers using our solutions
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.
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.
- Real-time alternative credit scoring insights for instant impact on a consumer’s credit score.
- Delivers a fairer, more precise credit risk assessment based on the borrower’s financial health.
- Increasing consumers’ engagement transforms their credit score into a tool for building greater financial health.
- 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.
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.
Smarter data. Better innovations.
Learn more about our open banking platform
Get started today
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.