Skip to main content

White paper

Turning open finance into business impact

Discover 5 actionable strategies to drive growth and unlock value with open finance.

Couple looking at their phone

Open finance isn’t just gaining momentum — it’s reshaping the financial ecosystem in exciting ways. From smoother payments to sharper lending decisions, businesses and consumers are already seeing real results. In this white paper, discover how leading organizations are putting open finance to work to spark growth, strengthen retention, and accelerate innovation across five high-value use cases.

Why download the white paper? 

  • Learn from real-world case studies and industry research. 
  • Get practical, scalable strategies for elevating customer experiences. 
  • Stay ahead in a rapidly evolving financial landscape where open finance is a competitive requirement. 

What are the top open finance use cases for banks and fintechs?  

  • Faster account opening: Reduce onboarding friction and approve more qualified customers with confidence. 
  • Seamless account-to-account payments: Lower costs, improve customer experience, and unlock efficient payment flows. 
  • Smarter lending tools: Enhance risk assessment and expand access to credit for consumers and small businesses.
  • Data-driven small business solutions: Forecast cash flow gaps and streamline operations for SMEs. 
  • Personalized financial management tools: Increase engagement and foster long-term loyalty with tailored financial experiences 

Ready to unlock new avenues for growth? Download your copy of the white paper now and discover how open finance can accelerate your business strategy.

FAQ

How does open finance work?

Open finance enables consumers and businesses to securely share permissioned financial data through APIs so banks, fintechs and other providers can deliver more connected experiences. 

How does open finance make account opening easier?

Open finance simplifies account opening by enabling secure access to permissioned financial data. With Mastercard Open Finance, businesses can instantly verify identity, balances and account ownership — reducing friction, accelerating onboarding and improving approval rates. 

How does A2A payments work in open finance?

Account-to-account (A2A) payments in open finance allow funds to move directly between bank accounts using secure APIs. Mastercard Open Finance enables fast and reliable A2A payments by connecting banks and fintechs through real-time data sharing. 

How does open finance improve loan underwriting?

Open finance enhances loan underwriting by providing access to richer, real-time financial data. Mastercard Open Finance helps lenders make more accurate risk assessments, expand access to credit and approve more qualified borrowers with confidence. 

How does open finance help small businesses?

Open finance supports small businesses by unlocking insights into cash flow, income and expenses. With Mastercard Open Finance, businesses can forecast gaps, streamline operations and access tailored financial solutions to support growth. 

What are account to account payments?

Account-to-account payments are transactions that move money directly between bank accounts without intermediaries. Powered by Mastercard Open Finance, A2A payments offer a secure, efficient and cost-effective way to transfer funds. 

Book a demo

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

Book a demo
Mastercard

Related reports

Results