Credit Risk Optimization With Mastercard and TransUnion

Financial institutions must balance portfolio growth with responsible risk management. Yet traditional credit data doesn’t always provide a complete view of consumer financial behavior.

TransUnion® and Mastercard are working together to help address this challenge. By combining TransUnion’s credit insights with Mastercard’s aggregated transaction intelligence, lenders can gain a broader perspective on how consumers manage their finances.

This expanded view helps institutions evaluate credit readiness, strengthen decisioning and engage credit-ready consumers with greater confidence.

Supporting stronger credit strategies

Through this collaboration, lenders can:

• Identify credit-ready consumers earlier
• Strengthen underwriting and portfolio strategies
• Evaluate new-to-credit and thin-file consumers with greater confidence

For consumers, this can support credit experiences that more accurately reflect everyday financial activity.

Advancing data collaboration in the Philippines

TransUnion and Mastercard are working toward a transaction data that combines repayment data with aggregated transaction insights as part of this initiative.

This effort aims to support deeper analytics, more informed credit strategies and broader financial inclusion across the Philippines.