Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions secure, simple, smart and accessible—with open banking, we're pursuing that mission even further. Open banking plays a key role in empowering consumers and businesses by putting them at the center of where and how their financial data is used. We expand payment choice, verify account opening and onboarding, and reduce overall friction within the lending experience for everyone. With the acquisitions of open banking innovators like Finicity in the U.S. and Aiia in Europe, Mastercard is a global open banking partner that is built upon trusted, reliable platforms and delivers quality experiences to financial service providers and consumers alike. With explicit consumer consent, we're delivering the financial data needed for innovation with the ability to scale up confidently while meeting local regulations. And we do it in the way our customers require and consumers have come to expect—simply, safely and securely.