Personal Financial Management

Insights to empower financial health

Powerful data fuels innovation for apps and service providers that help consumers build a stronger financial future.

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Data-driven personal financial management is on the rise

The promise of open finance is rapidly expanding to enable new PFM capabilities.

80%

of U.S. consumers have linked or would link their financial accounts directly to tools for conducting financial tasks¹

63%

of consumers have used or would use open finance to get a better overall picture of their finances¹.

70%

of consumers would use open finance in more sophisticated scenarios like automating financial tasks¹.

1 in 2

consumers would link their accounts to an app or service to enable financial forecasting or scenario planning¹.

The Mastercard Open Finance advantage

With 95% coverage of U.S. direct deposit accounts, Mastercard’s trusted network delivers data that enhances the PFM game.

We’ve built the bunq app around their lifestyle, and this partnership takes it even further. By combining Mastercard Open Banking with bunq’s world-leading AI platform, the possibilities to enhance their experience are endless.

Bianca Zwart Chief of Staff bunq

Elevated data for unparalleled insights

Mastercard Open Finance for personal financial management delivers account data the way it should be: cleaned, categorized and complete.

Secure, permissioned data-sharing

Consumers opt into data sharing with Mastercard Data Connect, the first step to enabling new financial experiences.

Statements and snapshots

Bank statements and 24-month transaction snapshots are custom-built for speed and accuracy.

A comprehensive financial view

Consolidated data from across all accounts including third-party data accessed via open finance and internally held first-party data enable broad portfolio tracking and financial management.

Detailed spending insights for personalized experiences

Segment, benchmark, and forecast consumer spending to deliver targeted, personalized experiences that boost relevance and drive accelerated growth.

Supporting financial literacy

A streamlined experience built on superior data helps consumers understand the impact of financial decisions and changes.

Institutional data sets

Mastercard Open Finance supplies data for advisory services and analytics for financial managers.

1. Mastercard Rise of Open Banking Report, 2024.

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