Acquire
Acquire the right borrowers and grow your portfolio.
Reach new segments — including SMBs and consumers with thin or no credit files.
Improve early decisioning to better manage risk across the credit lifecycle.
Prospecting
Leverage AI-based metrics to enhance segmentation and identify the right prospects from first touch through final decision.
Risk-based
pricing
Benchmark performance, configure solutions and tailor offers based on enhanced risk profiling leveraging multiple factors.
Optimize
decisions
Use deeper insights to support more consistent, informed credit decisions that balance risk, competitiveness and growth.
Expand access
and minimize risk
Mastercard brings together insights from its trusted network, proprietary data, and, in the U.S., Open Finance capabilities. Used with sources such as credit bureau and telco data, this helps lenders make more informed, transparent decisions.
How a U.S. bank grew its SMB
and consumer portfolio.
Challenge
A U.S. bank wanted to grow its SMB and consumer portfolios.
Solution
The bank implemented Small Business Credit Analytics and
Consumer Credit Analytics and saw increases in new accounts
and credit lines, as well as a reduction in manual reviews.
Results
36%
increase in new
account volume
2x
doubled credit
line increases
40%
reduction in
manual reviews
With Small Business
Credit Analytics and Consumer Credit Analytics, we moved from reactive
to proactive to meet borrowers where they are and accelerate approvals.
Powering smarter, faster and more inclusive lending decisions across every stage of the credit lifecycle.
© 1994-2026 Mastercard.
Privacy
•
Terms
•