Mastercard Open Finance vs Data Facts
Verification & Data head-to-head · axis by axis, same rubric for both
Mastercard
Verification & Data
| Axis | Mastercard Open Finance | Data Facts |
|---|---|---|
| Production impact | 2.8 | 2.1 |
| Functionality & depth | 2.8 | 2.3 |
| Integrations & ecosystem | 2.8 | 2.3 |
| Adoption & support | 2.3 | 2.6 |
| Return on spend | 2.3 | 2.3 |
| Overall | 2.6 | 2.3 |
Mastercard Open Finance wins 3 of 5 axes. Same rubric, same weights, no sponsorships.
What the rubric says
Mastercard Open Finance and Data Facts are both scored in Verification & Data. Mastercard Open Finance carries an overall of 2.6, Data Facts an overall of 2.3. The widest gap between them is Production impact, at 0.7 of a point. That axis measures whether the tool moves volume, pull-through or cycle time. Mastercard Open Finance takes it, 2.8 to 2.1.
Where the five axes separate
On Production impact the record favours Mastercard Open Finance, 2.8 against 2.1. On Integrations and ecosystem the record favours Mastercard Open Finance, 2.8 against 2.3. On Functionality and depth the record favours Mastercard Open Finance, 2.8 against 2.3.
Names, because the URL and the brand differ
Mastercard Open Finance was formerly Finicity.
Pricing posture
Mastercard Open Finance does not publish pricing. Its listed model is quote only. Data Facts does not publish pricing. Its listed model is quote only.
Deployment and who each one targets
Deployment for Mastercard Open Finance: Cloud, API. Deployment for Data Facts: Cloud, ordered through LOS integrations or a web portal. Segment focus for Mastercard Open Finance: Large lenders and verification vendors buying permissioned bank data connectivity at scale. Segment focus for Data Facts: Community banks and credit unions that buy mortgage credit and employment screening from the same. The two entries name different buyers.
What each record credits
Mastercard Open Finance: Mastercard states connectivity reaching roughly 95 percent of US deposit accounts. Data Facts: One vendor covers lending and employment screening, which suits banks and credit unions.
What each record holds against them
Mastercard Open Finance: Finicity’s mortgage site is gone, and Mastercard restates no GSE approvals or product names. Data Facts: Short, dated LOS list, still naming Ellie Mae ePASS and Byte 2.0.
Which one fits which shop
Best fit for Mastercard Open Finance: Teams needing broad permissioned bank data from a counterparty with no solvency question. Best fit for Data Facts: An institution consolidating mortgage credit and background screening under one contract.
The short answer
Mastercard Open Finance finishes ahead on the published rubric, 2.6 to 2.3. The margin comes mostly from Production impact. Same rubric, same weights, no sponsorships.
Both tools are scored on the same weighted rubric, production impact carries the most weight. Comparisons are never sponsored. Disclosure →