Mastercard Open Finance provides open banking APIs and financial data aggregation connecting to 95% of U.S. deposit accounts.
Mastercard Open Finance, formerly Finicity, provides open banking APIs and financial data aggregation services connecting to 95% of U.S. deposit accounts, all Australian banks, and nearly 3,000 European banks. The platform processes over 15 billion API calls annually, enabling account verification, income verification, and financial data insights for lenders, fintechs, and financial institutions.
Core offerings include Account Owner Verification, Deposit Switch, Payment Success Indicator, Bill Pay Switch, Data Enrichment, and Consumer Foresight. These capabilities power use cases across account opening, lending, payments, personal financial management, and small business solutions, with developer resources available at developer.mastercard.com.
| Attribute | Mastercard Open Finance | Akoya Data Access Network | Yodlee Account Aggregation | |
|---|---|---|---|---|
| Provider | |  |  | |
| Founded | 1966 | 2020 | 1999 | |
| Sells To | Financial Institutions | Financial Institutions, Fintechs | Financial Institutions, Fintechs, Lenders, Wealth Management Firms | |
| Pricing Model | — | Subscription | Subscription, Usage-based | |
| Ownership | Public | Private | Private |
Provider
Founded 1966
Sells To Financial Institutions
Pricing Model —
Ownership Public
Founded 2020
Sells To Financial Institutions, Fintechs
Pricing Model Subscription
Ownership Private
Provider
Founded 1999
Sells To Financial Institutions, Fintechs, Lenders, Wealth Management Firms
Pricing Model Subscription, Usage-based
Ownership Private
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