July 2025
How Open Banking Can Reshape Lending Markets
This white paper explores how richer transaction data can improve credit accuracy, increase financial inclusion, and reshape the competitive landscape for good.
Key takeaways
- A New Era of Competition
Open banking shifts the advantage from exclusive data access to delivering real value, encouraging financial institutions to compete on price, service, and product quality. - Smarter Lending with Deeper Insights
Transaction-level data offers a clearer view of financial health than traditional credit scores, helping lenders make faster, more accurate credit decisions. - Better Access, Fairer Outcomes
Richer data enables more inclusive lending by identifying creditworthy consumers with thin or no credit files, while also improving risk pricing accuracy.
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