# Finicity a Mastercard Company

> Finicity provides consumer-permissioned financial data connectivity, verification reports and analytics to banks, lenders, fintechs and payment services. It grew from personal finance software into business infrastructure and became part of Mastercard in November 2020.

- **Founded:** 2000
- **Headquarters:** Murray, United States
- **Founders:** Steve Smith (Co-founder; historical CEO), Nick Thomas (Co-founder; historical president and chief innovation officer)
- **Products:** Finicity Connect, Financial Data APIs, Verification of Assets, Income and Employment Verification, Cash Flow Analytics
- **Notable:** Founder accounts describe more than 10,000 bank integrations by 2015; this is a historical figure., Mastercard completed the acquisition in November 2020., Consumer reporting services include report access and a dispute process.

## Products & services

- **Finicity Connect** — Account-linking and permissioning interface; publicly demonstrated at FinDEVr in 2017.
- **Financial Data APIs** — Account and transaction aggregation for financial applications; Data Services launched in September 2014.
- **Verification of Assets** — Digital asset reports supporting mortgage and other lending workflows.
- **Income and Employment Verification** — Evidence from financial and payroll data; options include paystub and bank-deposit cross-verification.
- **Cash Flow Analytics** — Personal or business cash-flow data delivered as JSON and PDF, with up to 24 months of available history.
- **Account Verification** — Account details, ownership and balance information for financial applications.
- **Client Hub** — Portal for lending staff to request and manage verification reports.
- **Consumer Portal** — Free access to issued consumer reports and a process for disputing inaccuracies.

## Achievements

- Founder accounts describe more than 10,000 bank integrations by 2015; this is a historical figure.
- Mastercard completed the acquisition in November 2020.
- Consumer reporting services include report access and a dispute process.
- Mastercard announced its verification reports as the first digital asset reports integrated into ICE Mortgage Analyzers in March 2026.

## Latest updates

- **2026-03** — Mastercard announced a limited initial ICE Mortgage Analyzers rollout for asset and asset-and-income reports. Integration was offered at no additional cost at general availability for lenders subscribed to both solutions.
- **2025-04** — A published nCino user guide documents Finicity account linking and verification report workflows.

## Links

- Website: https://www.finicity.com/
- LinkedIn: https://www.linkedin.com/company/finicity/
- Twitter/X: https://twitter.com/finicity
- Facebook: https://www.facebook.com/finicity/

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Profile page: https://yespress.io/finicity-a-mastercard-company
Published by YesPress — https://yespress.io
Last updated: 2026-10-25