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Lending

The insights to give credit where credit is due.

Smarter lending decisions. A smoother borrower experience. Get the data you need to deliver both.

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Unlocking progress

Future-ready lending is here today

Secure, user-permissioned data is a launchpad to next-gen credit and financing.

95%

of consumers denied credit in the past two years want more control and transparency over the data used in decisions.¹

67%

of Australians prefer a digital-first lending experience.²

87%

of consumers believe lenders should make it easier for responsible borrowers to demonstrate their ability to repay.¹

79%

of consumers are willing to share secure access to their bank account to secure a loan or credit.²

The Mastercard advantage

Mastercard acts as an intermediary, providing access to consented open finance data through a fully CDR‑compliant, end‑to‑end platform covering consent, regulation, and data enrichment.

We support data aggregation, insights, and infrastructure, and offer either a fully hosted consent experience or an API-enabled solution, giving you flexibility in how you manage consumer consent.

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Equifax is proud to be working with Mastercard to launch an offering that will assist with increasing financial inclusion for this cohort and support more Australians to live their financial best

Melanie Cochrane Chief Executive Officer at Equifax A/NZ

Teaming up with Mastercard reflects what we’re building at NOW Finance — an enterprise-quality lending platform that puts the customer experience first. Open banking allows us to make faster, more accurate decisions for our customers, based on a complete real-time picture of their finances. Mastercard’s infrastructure is world-class, and this collaboration is a clear signal of the calibre of technology we’re committed to delivering

David Norman, CEO, NOW Finance
Now Finance

Enable simpler, smarter decisions across consumer and business lending.

Mastercard Open Finance empowers lenders with real-time, consent financial data and insights to support confident decisioning, ensure compliance with RG209, and deliver faster, digital-first lending experiences.

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Asset verification

Bank-validated insights on account ownership, current and average balances and transaction history.

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Income verification

Get up to 12 months of income history in seconds. Filter with data intelligence to identify income streams from transaction data.

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Employment history

Verify an applicant’s employment history using robust data access and insights.

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Cashflow analysis

Receive deep insights into income patters and account balances, supporting confident lending decisions.

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Business lending

Open-finance-enabled analytics and predictive insights leverage permissioned data to transform business lending for SMB service providers.

1. Mastercard Rise of Open Banking Report, 2024.