![Smart, confident business women walking outside](https://openbankingeu.mastercard.com/wp-content/uploads/2024/03/smart-confident-business-women-walking-outside.jpg)
Open banking solutions you can trust to solve your business challenges
Explore our open banking use cases to find out how open banking can transform financial experiences.
Open banking enables a broad range of use cases to meet all your data access, data insights and payments needs
Whether you’ve got your own open banking licence or not, our product and capabilities portfolio and bespoke consulting services can support you to grow your business.
Open banking use cases:
![Top-up payments Top-up payments](https://openbankingeu.mastercard.com/wp-content/uploads/2024/03/young-couple-looking-at-phone-together-in-city.jpg)
Top-up payments
Enable your customers to easily move money from one account to another directly in your platform with faster balance updates, verification of account owner and instant funding, so they can benefit from your service immediately.
![E-commerce E-commerce](https://openbankingeu.mastercard.com/wp-content/uploads/2024/03/woman-window-shopping-with-bags-in-hand.jpg)
E-commerce
Offer your customers the option to pay by open banking for simpler, smarter, safer payments. Our API pre-populates the payment information and the transaction is authenticated through the bank for a frictionless, secure checkout experience.
![Customer onboarding Customer onboarding](https://openbankingeu.mastercard.com/wp-content/uploads/2024/03/focused-woman-looking-at-tablet-on-couch-at-home.jpg)
Customer onboarding
Enable instant verification of bank account ownership to drive frictionless digital onboarding and mitigate fraud risks.
![Consumer lending Consumer lending](https://openbankingeu.mastercard.com/wp-content/uploads/2024/05/lending-01.jpg)
Consumer lending
Open banking data solutions giving you access to the real-time insights needed to make informed, fair lending decisions – allowing you to accept more loan applications, while mitigating the risks associated with underwriting and servicing those loans.
![Wideshot of business man pondering with laptop in office space](https://openbankingeu.mastercard.com/wp-content/uploads/2024/03/wideshot-of-business-man-pondering-with-laptop-in-office-space.jpg)