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Open finance

Deliver consumer-permissioned financial data that empowers innovation and unlocks possibilities for you and your customers.

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Stories, videos, blogs and more

Report

Rise of Open Banking

Our report on open banking explores the growth of the global open banking ecosystem. See the data on consumer adoption and use cases like secure digital payments.
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Blog

What is ACH? 6 fundamentals to get you started

If you’re already passively benefiting from ACH transfers, imagine the positive outcomes that could come from actively leveraging the ACH network. Here are six fundamentals to get you started.

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Blog

Open banking 2025 thoughts & trends

As we head into the new year, we are highlighting a few topics that are top of mind for Mastercard Open Banking, and how we see the Open Banking landscape evolving over the next 12-24 months.

Story

How the Nacha WEB debit rule affects your organization

Whether your company uses direct deposit or other direct payments through the ACH network, you’re likely leveraging WEB debit transfers in some way.

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Report

Building the future of bill payments

In today’s rapidly evolving digital landscape, consumer preferences and expectations are reshaping the way we engage with financial transactions.

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Press Release

Mastercard partners with Fannie Mae for a new single-source mortgage verification service

In partnership with Mastercard Open Banking, with services provided by Finicity, a Mastercard company, Fannie Mae continues to work toward improving access to affordable housing with secure banking-powered technologies, speeding up the application process for lenders and reducing the need for manual document preparation.

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Tips

Nacha’s Preferred Partner offerings evolve to include open finance and account validation

As governor of the automated clearing house (ACH) Network that moves $80 trillion in funds electronically each year, U.S. payments industry association Nacha has been moving payments forward for 50 years.

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Blog

Beneath the hood: How open banking strengthens the building blocks of digital payments

Whether we realize it or not, most of us have incorporated technology into our financial lives. According to the Mastercard New Payments Index, which surveyed 35,040 general consumers across 40 markets, 85% of people globally have used at least one emerging payment method in the last year.

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Press Release

Mastercard Open Finance is transforming main street with innovations for small businesses in the U.S.

Qualified small business borrowers can be denied access to capital when their finances are depicted by static documents that don’t tell the full story.

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Blog

Fighting fraud with digital identity and open finance data

While speed and convenience are crucial in today’s financial innovations, they have to be paired with security.

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Blog

Why managing personal finances is well personal 

Choosing messaging apps over landlines and electric scooters instead of gas-guzzling cars, tech-savvy Gen Zers and Millennials think and experience life very differently to Gen X and Baby Boomers.

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Report

The future of lending

Lenders should embrace inclusion, transparency, and consumer control, as consumers increasingly share bank data—enhancing approval processes and lending experiences while boosting customer satisfaction.

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Story

Open banking vs. Open finance

Open banking and now open finance are trading headlines when it comes to fintech, innovation and what the future holds. Differentiating the two isn’t always simple, but in the end, they’re both about empowering consumers and small and mid-size businesses (SMBs) to use their financial data to their benefit.

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