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Credit Intelligence Solutions

Smarter insights to drive lending decisions

Mastercard Credit Intelligence* equips lenders with insights to evaluate creditworthiness for small businesses and consumers.

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Elevate credit decisions

Tap into new data-driven insights to accelerate lending decisions and help personalize solutions

137%

increase in cross-sale volume ¹

36%

increase in new account volume ¹

49%

increase in profit contribution ¹

Access to credit is a catalyst for growth – helping individuals get a mortgage and buy a home or fueling a small business. With Mastercard Credit Intelligence, lenders can reduce the time analyzing and customizing underwriting decisions.

Kaushik Gopal Executive vice president, Business & Market Insights, Mastercard

Data solutions

Empowering lenders with faster, smarter and more personalized insights

Harness insights derived from aggregated and anonymized Mastercard network data to make smarter, more transparent decisions, that better serve consumers and small businesses.

Small business

Our solutions deliver refined analytics-driven metrics from aggregated transaction data to build a clearer picture: from ownership and financial health to operational behavior. This can help better support underserved and thin-file businesses, accelerate time to decision and enhance resiliency in volatile markets.

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Consumer

From first touch to final decision, Mastercard Credit Intelligence can supply permitted analytics-driven metrics to set the stage for smarter acquisition, underwriting and monitoring. The result is dynamic credit line assignments, higher conversion and superior retention rates.

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Enhance the credit lifecycle

Mastercard provides near real-time analytics and insights that support lenders’ independent decision making across the credit lifecycle.

Acquisition

Targets customer segments. Evaluates fraud vs. legitimate accounts.

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Underwriting

Determines creditworthiness.
Assesses financial impact of loans under various scenarios.

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Line assignment

Evaluates customer’s ability to afford and maintain a loan.

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Portfolio management

Tracks customers who are doing well or at risk, and any changes in the customer’s financial state.

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Collections

Pinpoints customers most likely to move to a higher delinquency stage, and potential actions to take.

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Talk to us about transforming your lending strategy with data-driven intelligence.

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Services

Announcing the Mastercard Partner Advantage Program

Whether you're seeking the right partner or ready to become one, our network helps you connect, grow and scale faster. 

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Featured resources

¹ Mastercard Proprietary Research, 2024

* This Service complies with all applicable regulatory and privacy requirements and does not constitute credit bureau activity, nor does it originate or underwrite credit.