Customers want speed — but they won’t trade it for uncertainty. Mastercard Open Finance helps you streamline onboarding using verified, permissioned data so you can reduce manual checks, combat fraud, and create seamless experiences that feel secure from the first interaction.

Nearly 1 in 5 consumers (18%) would even pay an additional fee to access instant account opening in the survey — a strong signal that convenience has real value.

Traditional lending models can miss the full picture. Mastercard Open Finance helps lenders use consented, near real-time data to make more informed decisions —expanding access to credit while mitigating risk.

82% of consumers would share data to simplify loan and mortgage applications and improve approval outcomes — yet only 43% of executives say they provide lending that uses real-time affordability checks beyond credit scores. That gap is opportunity.

Personalization only works when it’s relevant — and when customers believe it’s secure. Mastercard Open Finance helps securely connect accounts across different providers to deliver real-time transaction visibility, spending insights, and personalized money guidance that makes financial management easier for your customers.

70% would switch to get more transparency and control over how their money and data are used.

63% of consumers have noticed insights/recommendations from providers are more helpful than 12 months ago.