Terry KS Mastercard has introduced Credit Intelligence, a new suite of analytics-driven solutions that improves lending decisions and expands access to credit for consumers and small businesses. The tool leverages Mastercard’s network insights to help lenders make faster, more holistic and more inclusive credit assessments.
MALAYSIA, 5 DECEMBER 2025 – Mastercard has rolled out Mastercard Credit Intelligence, a new suite of data-driven solutions aimed at helping lenders make smarter, faster and more inclusive credit decisions for consumers and small businesses. Leveraging Mastercard’s trusted global network and proprietary analytics, the solution enhances transparency and helps financial institutions broaden financing opportunities in select markets.
According to Mastercard, access to credit is a key driver of economic growth, enabling individuals to purchase homes and helping businesses expand. Credit Intelligence aims to streamline underwriting by reducing the time lenders spend on analysis and enabling them to leverage additional data sources such as credit bureau reports and telco data for a more complete view of a borrower’s financial behaviour.
Kaushik Gopal, executive vice president of Business & Market Insights at Mastercard, said that inclusive insights are essential to building a healthy digital economy. He noted that Mastercard’s deep expertise and network data can help address gaps that traditionally left certain consumers and small businesses underserved.
Using the new tool, a bank assessing a young borrower with limited credit history can, with consent, review Mastercard network insights, including transaction types and identity signals. This expanded view may reveal opportunities that traditional assessments miss. Similarly, lenders reviewing small business loan applications can obtain transaction-based assessments to support more accurate decisions.
The launch is supported by global partnerships across the U.S., Philippines, UAE, Australia and Brazil. In Brazil, leading acquirer Stone is adopting Credit Intelligence to strengthen its merchant-focused credit solutions, helping local SMEs secure sustainable financing. In the U.S., Mastercard’s open finance program enhances underwriting by integrating permissioned financial data such as cash flow analytics and payment risk indicators.
Jess Turner, executive vice president and global head of Open Finance and Developer Experience at Mastercard, highlighted that securely permissioned data is central to enabling stronger financial products and improving small business lending.
Mastercard is inviting financial institutions, fintechs, credit bureaus and technology providers to collaborate in shaping the future of inclusive lending. Credit Intelligence for consumer and SME segments is now accessible through Mastercard Developers, where full documentation and integration tools are available.