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.

CASE STUDY

Intercoastal and Mastercard: A seamless, cost-effective digital mortgage experience

See how Intercoastal Mortgage enables fast closing mortgage loans. Their automated underwriting system uses Mastercard's VOIE for Fannie Mae Day 1 Certainty.

Experian Boost

Thanks to open banking capabilities, Experian Boost has enabled more than 6 million consumers to leverage their telecommunications, utility, cell phone, and streaming service payments. That real-time data can boost FICO® Scores, increase financial inclusion, and enhance decisioning for lenders. The Finicity-Experian relationship has proven, once again, that consumer-permissioned data, combined with smart insights, opens the door to new possibilities.

CASE STUDY

Experian

Learn how Experian Boost can improve your credit score. Instantly add utility and subscription payments to your Experian credit file to see results fast.

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

Enable simpler, smarter decisions across consumer and business lending.

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

Asset verification

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

Income verification

Get up to 12 months of income history in seconds. Filter with data intelligence for ranked income streams with confidence scores.

Employment history

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

Cashflow analysis

Understand a borrower’s capacity with deep insight into income patterns and account balance, supporting confident lending decisions.

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.

Cyber-fraud integration for the new age of risk