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Consumer lending

Enriched data insights for lending decisions

Our open banking data solutions give you access to the real-time insights – allowing you to accept more loan applications.

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Included services

Our modular insights platform gives you the ability to opt-in to multiple services with minimal integration, and to create tailored solutions that match your consumer lending needs.

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Transaction Categorisation

Receive raw and categorised transactions including log, merchant name and category group across multiple accounts.

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Account Owner Verification

Instant verification of bank account information, including account number and name with smart name matching and confidence scoring.

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Balance Check

Real time retrieval of available and booked balances across multiple accounts.

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Verification of Income

Automated validation of an individual’s income in real-time with a standard text-based (JSON) format and PDF output.

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Modular Insights

Option to receive customisable behaviour insights (e.g. loan stacking, subscriptions, salary advances, BNPL uses, regular payments) on a one time or ongoing basis.

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Verification of Expenses

Capabilities to provide up-to-date, real-time spending habits of an individual.

Now imagine what you can do

Mastercard Open Banking Solutions for consumer lending enables you to make fair, informed decisions across a number of lending use cases.

Mitigate fraud with account details

Credit Cards

Personal Loans

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Buy Now Pay Later

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Credit Eligibility

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Debt Consolidation

Debt consolidation

Plus even more unsecured lending solutions

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Explore the key benefits

Optimise onboarding, application, and underwriting processes

  • Increased conversion – through streamlining the onboarding, application and underwriting processes.

  • Increased security – confidently know who your customers are, that they own their linked accounts and have the required funds.

  • Improve operational efficiency – reduced processing time and decreased settlement, default and fraud risk.

Increase credit access for underserved populations

  • Access to real time, accurate data beyond the traditional data sources.

  • Improve financial inclusion by enabling thin file, near prime customers, or new to country.

  • Personalise your offer – identify premium customers and create personalised credit offers.

Download our lending e-book

Deep dive into global case studies that explore how open banking creates fairer and more affordable lending options to bring more people into the digital economy – and giving consumers and businesses the resources they need to plan their future.

How open banking drives fair and informed lending decisions report cover

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Consult our team to learn how Mastercard can enhance your business through our products and services.

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