Mastercard
Credit Intelligence
Powering smarter, faster, more inclusive lending decisions.
Turn challenges into opportunities...
Fragmented data and thin files
Slow, manual underwriting
Operational and regulatory press
Rising borrower expectations
Macroeconomic uncertainty
...with dynamic solutions powered by proprietary data.
Consumer Credit Analytics
400+ curated consumer card‑level metrics support more accurate underwriting and improved authorization decisioning.
Small Business
Credit Analytics
Near real-time merchant-specific
metrics and peer benchmarks to
inform smarter SMB lending decisions.
Open Finance (Small Business
Credit Analytics, U.S. only)
Consent-based insights support frictionless onboarding, dynamic line management and continuous risk management.
Rethinking the
data foundation of credit decisioning
Rising costs, constrained access to credit and growing operational complexity are exposing the limits of traditional credit data. Lenders are increasingly rethinking how decisions are made, shifting toward broader data foundations to improve risk understanding, efficiency, and sustainable growth.
Traditional data is limiting decision accuracy
81%
of lenders say traditional data is insufficient to assess credit risk.
*Mastercard’s State of Credit Decisioning Report
Empowering
you with more personalized insights to better serve consumers and small businesses.
Small business
Consumer
50+ metrics
to help make decisions based on real business performance.
Supports underserved and thin-file businesses
Accelerates
time-to-decision
Enhances resilience
in volatile markets
Powering smarter, faster and more inclusive lending decisions across every stage of the credit lifecycle.
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