Understand
Build confidence into every credit decision.
Bring together financial insight, identity and legitimacy signals at the point of decision.
Verify applicant facts quickly, assess risk accurately and support fair access to credit.
Income
verification
Instantly confirm income and financial
health using real-time, consented data
across multiple sources.
Application
scoring
Bring together traditional credit data and additional performance signals to form a more complete picture of applicant financial health.
KYB, KYC and authentication
Determine account legitimacy and verify if still operating with up-to-date insights available in near real-time.
Verify and score with
speed and precision
Use current financial and spending behavior to strengthen affordability checks and risk segmentation, helping to reduce inconsistency and accelerate the time to decision. Validate income and scoring across multiple data sources for fairer, more informed lending outcomes.
How a multinational bank used AI to help approve more of the right applicants, faster.
Challenge
A multinational bank needed to increase credit approvals, reduce inconsistency and expand access for underserved segments.
Solution
The bank deployed Mastercard's AI-powered solutions and alternative data to help improve decisioning — cutting losses, increasing risk-adjusted revenue and delivering meaningful
approval lift across underserved segments.
Results
12%
reduction
in losses
$2m
increase in
risk-adjusted
revenue
increased approvals
for underserved
segments
We're now able to say yes to more of the right applicants, faster and with greater confidence.
Powering smarter, faster and more inclusive lending decisions across every stage of the credit lifecycle.
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