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.

Transaction Categorisation

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

Account Owner Verification

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

Balance Check

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

Verification of Income

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

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.

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

Personal Loans

Buy Now Pay Later

Credit Eligibility

Debt Consolidation

Plus even more unsecured lending solutions

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.

How open banking drives fair and informed lending decisions report cover

Announcing the Mastercard Partner Advantage Program

Consumers are switching. Revenue is shifting. Open finance can be your differentiator.

Turn everyday transactions into lasting loyalty