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CREDIT RISK SCORING

Grow lending without growing risk

Use forward‑looking payment risk insights to unlock approvals and improve portfolio performance.

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A modern approach to credit risk

Gain a clearer view of repayment risk with data driven scoring solutions designed for today’s financial landscape. Mastercard Open Finance delivers permissioned, real time financial insights to help you approve more customers, manage risk more proactively and support innovative repayment products.

PAYMENT RISK INSIGHTS

Predict repayment risk with cash flow insights

Mastercard Payment Risk Insights helps lenders assess repayment risk more accurately — supporting faster decisions, broader approvals and stronger portfolio performance.

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Financial character

Understand how customers manage day‑to‑day obligations.

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Financial capacity

Assess ability to repay based on real cash flow dynamics.

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Payment Risk Score

Predicts likelihood of a missed payment or repayment difficulty within the next 1–180 days.

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Cleansed transaction data

Enriched and categorized for easy integration.

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Analytics and indicators

Clear, actionable financial health signals.

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More confidently assess thin-file and no-file applicants.

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Strengthen underwriting for short term and innovative repayment products.

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Monitor financial health after origination.

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Intervene early before delinquency — or reward customers when their financial health improves.

How Payment Risk Score* works

A predictive score built on real financial behavior

The two digit Payment Risk Score predicts the likelihood a borrower or customer will make, or miss a payment over the next 180 days, using permissioned transaction data.

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A higher standard of risk intelligence for smarter decisioning

Scores ranging from low to high risk are delivered via a FCRA compliant infrastructure, enabling use across underwriting, monitoring and portfolio management.

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REAL-WORLD IMPACT

A large U.S. regional card issuer identified an opportunity for a 4% increase in approvals and a ~19% reduction in delinquencies using Payment Risk Insights.

Why it matters

More inclusive, data driven decisions

Cash flow based insights give lenders a more fair and current understanding of applicants who may be overlooked by traditional credit files.

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Earlier visibility into risk

Detect early signs of repayment stress with behavior‑based insights that move at the pace of customers’ financial lives.

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Economical and purpose built

Designed for products with tight margins and short repayment windows — providing high‑value insights without the cost of traditional bureau pulls.

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Flexible for multiple use cases

PRI supports underwriting, portfolio management and ongoing financial health monitoring across both consumer and small business lending.

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Why Mastercard

Powered by Open Finance

Our scores are built using permissioned financial data, giving lenders insights into cash flow data from across the customer’s financial institutions.

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Delivered through a Consumer Reporting Agency (CRA)

Finicity, a Mastercard company, is a registered CRA that ensures solutions are fully FCRA-compliant and ready for use in regulated credit decisioning.

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Modern, API first integration

Easily embed scoring and transaction intelligence into your underwriting and servicing workflows.

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Strengthen credit decisioning and support more inclusive lending

Contact us to discuss how Mastercard can support your risk strategy.

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Going with the (cash) flow

How adding new insights to traditional credit scores empowers lenders.

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