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Open Finance

Shape the future of digital finance

Powering secure payments and data connections between people and businesses.

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Spotlight

Better data. Better connections.

See how consumers can securely access and share their financial data to enjoy a new level of personalized services.

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95%

Of U.S. deposit accounts, all Australian banks and nearly 3,000 European banks connect to our APIs

60+

Years using data to power and protect the ecosystem and enhance the user experience

15b+

API calls are serviced globally each year

What makes us different

We’re delighted to partner with Mastercard’s open banking platform in the U.S. for secure account verification, offering our customers better payment options and advancing open banking globally.

Sudev Balakrishnan Chief Product Officer Worldpay Merchant Solutions

Mastercard Open Finance in action

Make payment connectivity safe and simple for better experiences with Mastercard Open Finance.

Offer fast, easy and secure payments

Enable secure, simple and frictionless account-to-account payments from any platform across financial ecosystems.

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Facilitate account opening

Deliver a seamless account opening experience with permissioned data to verify account owner identities, details and balances for faster onboarding and funding.

Promote better financial decisions

Connect consumers and businesses to seamless and secure financial data for smarter personal finance management (PFM) solutions. Give real-time visibility into transactions for better money management.

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Improve business cashflow

Gain real-time insights to identify cashflow gaps, streamline payment reconciliation and better manage working capital.

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Enable smarter lending

Increase your approvals with more accurate and inclusive credit scores that use consumer data, always with their consent. Mitigate the risks associated with underwriting while driving financial inclusivity.

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Opening a world of opportunities with open finance

Open finance puts businesses and consumers in control of their own data to benefit from secure and enhanced personalized services.

Validate accounts

Validate users and accounts to reduce fraud and improve the user experience.

Account opening

Reduce onboarding time and automate account opening for a better user experience.

Account-to-account payments

Facilitate secure, frictionless account-to-account payments for businesses and consumers alike.

Data insights

Deliver powerful, personalized financial experiences with enhanced data.

Lending

Transform lending with real-time data for fair and inclusive lending decisions.

Improved business finances

Connect small businesses with financial data to improve money management.

Resources

Discover featured resources on the latest Open Finance topics

Learn more

Actionable insights

Report

Rise of Open Banking Report

Get the report

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Case study

Saxo Bank saw funding conversion rates rise 26% after implementing Mastercard Open Banking 

Read the story

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Report

The Future of Bill Payment

Get the report

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Rise of Open Banking Report
Saxo Bank saw funding conversion rates rise 26% after
The Future of Bill Payment

Building a bold open finance future together

We want to help you thrive in the ever-changing open finance landscape — meeting all your data and payments needs at every stage of your journey.

Contact us

News and insights

How open banking drives financial inclusion

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What is open banking? Your essential guide.

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How Nexi Group and Mastercard are reshaping the payments landscape in Europe

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Thin credit, lots of savings: How paying rent helped one couple get their dream home

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Eliminating financial hurdles for consumers who lack a conventional credit score

Woman sitting on couch using her card on her phone.