# Release History source: https://developer.mastercard.com/open-finance-us/documentation/release-history/index.md Notable changes to the US Open Finance documentation are listed below (in reverse chronological order). | Date | Description | |-------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | 17 Apr 2026 | [Consumer Foresight](https://developer.mastercard.com/open-finance-us/documentation/products/manage/consumer-foresight/index.md) now supports a new endpoint, [Generate Non CRA Foresight Analytics Report Using 1st/3rd Party Transaction Data](https://developer.mastercard.com/open-finance-us/documentation/api-reference/index.md#GenerateForesightAnalyticsFirstThirdPartyNonCraReport), which can use third-party data permissioned via Data Connect, first-party data submitted via [Data Enrichment](https://developer.mastercard.com/open-finance-us/documentation/products/manage/data-enrichment/index.md), or both. The previous endpoint remains available as a legacy option. | | 16 Apr 2026 | The React Native [Connect Transfer SDK](https://developer.mastercard.com/open-finance-us/documentation/products/pay/switch/connect-transfer/index.md) has been updated with support for [Bill Pay Switch](https://developer.mastercard.com/open-finance-us/documentation/products/pay/switch/bill-pay-switch/index.md), which was previously only supported by the iOS and Android Connect Transfer SDKs. The new version has updated dependencies and requirements. Refer to [React Native Installation and Use](https://developer.mastercard.com/open-finance-us/documentation/products/pay/switch/connect-transfer/index.md#react-native-installation-and-use) for details. | | 02 Mar 2026 | **New Feature** : The [Order Reports](https://developer.mastercard.com/open-finance-us/documentation/client-hub-guide/order-reports/index.md) tool within Client Hub can now be used for [Report Reissue](https://developer.mastercard.com/open-finance-us/documentation/client-hub-guide/order-reports/index.md#report-reissue), allowing a secure and auditable, no-code access for third-party entities to retrieve consumer reports directly from the Order Reports system. This provides lenders and their partners with a method for sharing consumer reports between authorized third parties (such as investors, mortgage insurers, QC agencies, and loan management systems)---minimizing repetitive file exchanges, lowering risk, and facilitating more seamless cooperation throughout the loan process. | | 26 Feb 2026 | To avoid potential problems with transaction IDs being re-used across different customers, the transaction data returned by the [Transaction Data Services](https://developer.mastercard.com/open-finance-us/documentation/products/manage/transaction-data/index.md) endpoints and [TxPUSH](https://developer.mastercard.com/open-finance-us/documentation/products/manage/tx-push/index.md) now include a `uniqueTransactionId` value derived by combining the regular transaction ID with the account ID. This unique ID can be safely used to later identify a particular transaction without needing to check the account ID separately. | | 08 Jan 2026 | **New Feature** : [Recurring Transactions](https://developer.mastercard.com/open-finance-us/documentation/products/manage/recurring-transactions/index.md) is a new service to identify a customer's recurring payments. You can request information for multiple accounts owned by the same customer with a single API call and retrieve a list of recurring transactions, with categories like "Streaming Service" or "Bills \& Utilities". | | 19 Dec 2025 | We've added a new [Small Business](https://developer.mastercard.com/open-finance-us/documentation/products/small-business/index.md) section featuring [Small Business Credit Analytics](https://developer.mastercard.com/open-finance-us/documentation/products/small-business/sbca/index.md) (previously a standalone API and now available as part of Open Finance). The Payment History report has been moved to Small Business and is now called [Payment Risk Insights](https://developer.mastercard.com/open-finance-us/documentation/products/small-business/payment-history/index.md). | | 20 Nov 2025 | We've added a new [Tutorials](https://developer.mastercard.com/open-finance-us/documentation/tutorials/index.md) section with guides on how to implement common scenarios using the Open Finance APIs, including alternative flows so you can choose the best pattern for your application. Our first tutorials cover [Pay by Bank](https://developer.mastercard.com/open-finance-us/documentation/tutorials/pay-by-bank/index.md) and [Tenant Screening](https://developer.mastercard.com/open-finance-us/documentation/tutorials/tenant-screening/index.md). | | 31 Oct 2025 | We've added documentation on how to use the [Order Reports](https://developer.mastercard.com/open-finance-us/documentation/client-hub-guide/order-reports/index.md) tool within Client Hub, which allows Lend reports to be generated manually. This can be used for testing, as a temporary solution while building an application, or for certain no-code use cases without needing a full API integration. | | 20 Oct 2025 | **New Feature** : The [Customize Connect](https://developer.mastercard.com/open-finance-us/documentation/connect/configure-connect-experience/customize-connect/index.md) feature in Client Hub now provides options to alter the color of the text used on CTA buttons, and to skip report generation if you do not want reports to be generated automatically when the user completes the experience. | | 22 Sep 2025 | Updated [Payment Success Indicator](https://developer.mastercard.com/open-finance-us/documentation/products/pay/psi-tools/index.md) endpoints are now available. The new endpoints provide a score for the risk of unauthorized return. The existing NSF risk score is now optional. | | 19 Sep 2025 | **New Feature** : [Feedback Loop](https://developer.mastercard.com/open-finance-us/documentation/products/pay/feedback-loop/index.md) is a new way for you to securely share payment outcome data with Mastercard to improve product performance, enabling reduced payment failures and more accurate risk scores. Feedback Loop currently supports [Payment Success Indicator](https://developer.mastercard.com/open-finance-us/documentation/products/pay/psi-tools/index.md) and [Account ACH Details](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-money-transfer/index.md), with support for more products to come. | | 16 Sep 2025 | We've re-organized and improved the [Lend](https://developer.mastercard.com/open-finance-us/documentation/products/lend/index.md) documentation. Report pages are now more detailed and are grouped under [Reports List](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/index.md). | | 02 Sep 2025 | We've renamed Mastercard Open Banking to Mastercard Open Finance. This new name better reflects the full range of financial solutions we offer---extending beyond banking to support a more inclusive, connected financial ecosystem. The existing functionality remains the same and you don't have to change anything with your existing projects (if you create a new project on Mastercard Developers, look for Open Finance instead of Open Banking when selecting the API service). | | 11 Aug 2025 | **New Feature** : The [Customize Connect](https://developer.mastercard.com/open-finance-us/documentation/connect/configure-connect-experience/customize-connect/index.md) feature in Client Hub now provides the option to edit a logo image after uploading, allowing you to change the size and position of the image. | | 07 Aug 2025 | **New Feature** : A [Connect Transfer Mobile SDK](https://developer.mastercard.com/open-finance-us/documentation/products/pay/switch/connect-transfer/index.md) for React Native is now available, enabling Deposit Switch functionality for React Native apps. | | 18 Jul 2025 | **New Feature** : The [Payment Enablement Bundle](https://developer.mastercard.com/open-finance-us/documentation/products/pay/payment-enablement-bundle/index.md) consolidates several individual API services into a single combined endpoint capable of returning variable responses based on your input parameters. Using PEB can simplify your development work and reduce the number of API requests needed by returning data for any or all of the following: Account Simple Details, Account Owner Verification, Account Balance, and Account ACH Details. | | 02 Jul 2025 | **New Feature** : The [Data Connect Web SDK](https://developer.mastercard.com/open-finance-us/documentation/connect/integrating/sdk/web-sdk/index.md) is now available via our Content Delivery Network (CDN). This provides an alternative way to use the SDK without installing via npm. | | 18 Jun 2025 | **New Feature** : We've improved support for partners who need to [integrate Data Connect without using our SDKs](https://developer.mastercard.com/open-finance-us/documentation/connect/integrating/non-sdk/index.md). For mobile apps developed without our SDKs, you must ensure you set the new `isHostedInMobileApp` flag to true when [generating your Data Connect URL](https://developer.mastercard.com/open-finance-us/documentation/connect/generate-2-connect-url-apis/index.md). We've also taken the opportunity to re-organise the [Integrating with Connect](https://developer.mastercard.com/open-finance-us/documentation/connect/integrating/index.md) pages to better illustrate the SDK versus non SDK integration options. | | 21 May 2025 | **New Beta Feature** : [Consumer Foresight](https://developer.mastercard.com/open-finance-us/documentation/products/manage/consumer-foresight/index.md) provides tailored consumer insights against various spend categories, generated using the consumer's permissioned Open Banking data as well as anonymized transactional data from the Mastercard network. This feature is in Beta and will incur an additional cost. Contact your Sales representative or Account Manager to learn more and join the pilot group. | | 07 May 2025 | **New Feature** : The [Customize Connect](https://developer.mastercard.com/open-finance-us/documentation/connect/configure-connect-experience/customize-connect/index.md) feature in Client Hub will now attempt to automatically convert logo images provided in raster formats such as PNG into the required SVG vector format. Results using this method may vary, we recommend providing SVG files where possible. | | 11 Apr 2025 | **New Feature** : [Bill Pay Switch](https://developer.mastercard.com/open-finance-us/documentation/products/pay/switch/bill-pay-switch/index.md) empowers consumers to update their payment information (ACH or Card on file) for recurring bills and subscriptions, making it easier to switch financial providers. Bill Pay Switch uses TrueAuth device-based authentication and so is currently only suitable for mobile applications. In addition to the developer documentation we also provide [sample UX flows and best practices in our Experience Design Guide](https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/bill-pay-switch/index.md). | | 08 Apr 2025 | **New Feature** : [Data Connect Components](https://developer.mastercard.com/open-finance-us/documentation/connect/components/index.md) provides pre-built embeddable components that allow you more control and flexibility over your customer's Data Connect experience. By leveraging Data Connect Components, you can design and test your user experiences to have the voice, brand, flow and feel that best meets your needs. Data Connect Components is the first US Open Banking feature to use our new [Open Banking Webhook Management System (OBWMS)](https://developer.mastercard.com/open-finance-us/documentation/webhooks/obwms/index.md), which provides a unified system for subscribing to and receiving webhooks from the various Open Banking services. New services will use this system for webhooks and existing Open Banking products and services will migrate from the old webhook system to the new one during 2025/2026. | | 26 Mar 2025 | **New Feature** : [Data Enrichment](https://developer.mastercard.com/open-finance-us/documentation/products/manage/data-enrichment/index.md) can enhance your internally held (first party) financial account transaction data by categorizing transactions, identifying the entities and platforms involved, location data, logos, and website URLs. This helps improve the usability of transaction data for various applications, such as personal financial management tools and online banking platforms. | | 13 Mar 2025 | **New Feature** : The [Customize Connect](https://developer.mastercard.com/open-finance-us/documentation/connect/configure-connect-experience/customize-connect/index.md) feature in Client Hub now provides a 'Single Use URL' option. This feature will only allow a user to use a link a single time. This is to prevent users from generating multiple reports through one Data Connect session, or adding multiple accounts when only one is needed (this setting will not override the `singleUseUrl` parameter passed to the Generate Connect URL API). | | 25 Feb 2025 | **New Feature** : Our new [Account Owner Verification Matching](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-account-owner/index.md#api---match-account-owner-details) feature enables customers to request account details for an account holder from an institution, with a matching confidence score compared to information provided by the user's connected financial institution. | | 4 Feb 2025 | **New Feature** : [Payment Success Indicator](https://developer.mastercard.com/open-finance-us/documentation/products/pay/psi-tools/index.md) provides a score based on the real-time account balance and historical account activities to evaluate the likelihood a given payment amount will settle successfully in a given time period. | | 29 Jan 2025 | The [Experience Design Guide](https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/index.md) now includes UX recommendations and best practices advice for how to present the [AVA flow](https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/open-finance-us-for-payments/ava/index.md) in your application. | | 27 Jan 2025 | The [Deposit Switch](https://developer.mastercard.com/open-finance-us/documentation/products/pay/switch/deposit-switch/index.md) documentation provides details of how our new [Connect Transfer mobile SDKs](https://developer.mastercard.com/open-finance-us/documentation/products/pay/switch/connect-transfer/index.md) can be used to integrate Deposit Switch into native mobile applications. The Connect Transfer mobile SDKs provide native iOS and Android versions of the Atomic user experience, which is not supported by the regular Data Connect mobile SDKs. The Connect Transfer SDKs also support TrueAuth authentication of the end user with the payroll provider. | | 12 Dec 2024 | We've made a change to the billing logic for [Account Statements](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-statements/index.md). You are now billed when you call the endpoint which downloads a PDF asset relating to a statement, not when you call the endpoint which returns details of the available statements. This change also means that you can check what statements are available without charge before generating a [Statement Report](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/statements/index.md) for Lending purposes. | | 8 Nov 2024 | **New Feature** : The [Customize Connect](https://developer.mastercard.com/open-finance-us/documentation/connect/configure-connect-experience/customize-connect/index.md) feature in Client Hub lets you configure the Data Connect application's user experience on your own. Generate an Experience ID and tailor the application to align with your brand and user requirements. | | 7 Nov 2024 | **Developers API (Onboarding API) Key Management Update** : You can now create new Developers API keys and access existing ones directly from your [Account](https://developer.mastercard.com/account/profile) page. You no longer need to create projects to get your API keys. **No Impact on Existing Keys**: Current API keys and integrations remain unaffected. | | 11 Oct 2024 | **New Feature** : Our new [Deposit Switch](https://developer.mastercard.com/open-finance-us/documentation/products/pay/switch/deposit-switch/index.md) feature enables customers to connect with payroll providers and set up payroll deposits with ease. In addition to the [developer documentation](https://developer.mastercard.com/open-finance-us/documentation/products/pay/switch/deposit-switch/index.md#how-it-works) we also provide [sample UX flows and best practices in our Experience Design Guide](https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/deposit-switch/index.md). | | 02 Oct 2024 | We've added details of our [SDK Deprecation Policy](https://developer.mastercard.com/open-finance-us/documentation/connect/integrating/sdk/index.md#sdk-deprecation-policy) which will apply to Open Banking Data Connect SDKs (mobile and web) from Q4 2024. We strongly recommend that partners update to the latest version of our SDKs as soon as possible to avoid potential disruption. Deprecated SDKs will continue to function but will not receive support. | | 23 Aug 2024 | **New Feature** : We now support [Fast AO](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-account-owner/index.md#fast-ao), which can cache Account Owner details during the Data Connect process for quicker account owner verification. This is not suitable for all partners and is not supported for all FIs. Speak with your Account Manager to determine if Fast AO is right for your use case. We've also updated [Account ACH Details](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-money-transfer/index.md) with tokenized account number (TAN) information and [Consumers](https://developer.mastercard.com/open-finance-us/documentation/customer-records/index.md#consumers) with details for reseller partners when creating a consumer record. | | 03 Jul 2024 | **New Feature** : You can now retrieve a customer's authorization period for a specific financial institution via the [GET /customers/institution-logins/{institution_login_id}/authorization-details](https://developer.mastercard.com/open-finance-us/documentation/customer-records/index.md#retrieve-customer-authorization-period) endpoint. We've also updated the [Account Aggregation](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-aggregation/index.md), [Transaction Data](https://developer.mastercard.com/open-finance-us/documentation/products/manage/transaction-data/index.md), [Account Balance](https://developer.mastercard.com/open-finance-us/documentation/products/pay/account-balance/index.md), and [App registration](https://developer.mastercard.com/open-finance-us/documentation/financial-institution/oauth-connections/register-your-applications/index.md) documentation. | | 14 Jun 2024 | We've updated the [Experience Design Guide](https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/index.md) with further UX recommendations and best practices advice for how to present the Data Connect flow in your application, including advice on [app to app implementation](https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/connect-enhancements-and-features/app-to-app-auth-best-practices/index.md) and how to build a [user-friendly FI search experience](https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/connect-enhancements-and-features/fi-search-experience/index.md). | | 06 Jun 2024 | We've introduced [TxPUSH webhook notifications](https://developer.mastercard.com/open-finance-us/documentation/products/manage/tx-push/index.md#txpush-webhook-notification) for you to receive account updates. | | 22 May 2024 | **New Feature** : We've updated the documentation for [Account ACH Details](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-money-transfer/index.md) with a new V3 endpoint that includes RTP details if available. | | 17 May 2024 | We've made several enhancements to the project dashboard to improve your overall experience: * We've designed a new Summary page that consolidates key information in one place, allowing you to view critical details at a glance. * [Streamlined access to production](https://developer.mastercard.com/open-finance-us/documentation/onboarding/index.md#moving-to-production) - You can now choose between Test Drive Premium or Production, when requesting production access. This update clarifies which options are billable and details the benefits of each plan, ensuring a smoother transition from testing to deployment. * [Edit project details](https://developer.mastercard.com/open-finance-us/documentation/onboarding/index.md#edit-project-details) - You now have the ability to edit your project details even after the initial project creation step. This change provides more control over the project's lifecycle and aims to align with your evolving business needs. **Updates to onboarding APIs:** * **New Feature** : We've introduced a new endpoint to help you update your project details on Mastercard Developers - [PUT /projects/{project_id}](https://developer.mastercard.com/mastercard-developers-api/documentation/api-reference/#updateProject). * Removed deploymentCountries field from the [POST /projects](https://developer.mastercard.com/mastercard-developers-api/documentation/api-reference/?view=api#createProject) endpoint as we no longer require you to provide us the project's host location. For full list of changes, see [Mastercard Developers API's Release History](https://developer.mastercard.com/mastercard-developers-api/documentation/release-history/). | | 16 May 2024 | We've updated the documentation for [Balance Analytics](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/balance-analytics/index.md) and [Cash Flow Analytics](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/cash-flow-analytics/index.md) with new V2 endpoints which work for both FCRA and non-FCRA use cases. | | 24 Apr 2024 | **New Feature** : It is now possible to query the experience ID relating to your registered application if you have set up a [configured Data Connect experience](https://developer.mastercard.com/open-finance-us/documentation/connect/configure-connect-experience/index.md) for your app. The new [Get Experience IDs](https://developer.mastercard.com/open-finance-us/documentation/connect/configure-connect-experience/index.md#retrieve-experience-ids) endpoint can be used to find any experience ID associated with your app at run-time. | | 19 Apr 2024 | We've added some new test personas that you can use when testing your app. These personas have different levels of income, access to different banking products, and realistic data. You can use these personas to simulate different user journeys and interactions with your app. These new detailed personas are provided in addition to the existing test profiles which you can continue to use for testing particular scenarios. See [Test Profiles](https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/test-the-apis/index.md) for details. | | 11 Apr 2024 | We've improved our [Error Handling](https://developer.mastercard.com/open-finance-us/documentation/errors/index.md) section to serve as a comprehensive guide for all the errors you might encounter while using Mastercard's Open Banking solutions: * Errors have been broadly categorized into Account, Institution, and Request errors based on when they occur during the use of our Open Banking solutions. * Errors have been further classified into themes to provide you with an easier understanding of error contexts and effective troubleshooting. | | 28 Mar 2024 | We've re-structured the Data Connect SDK documentation into a new [Integrating with Connect](https://developer.mastercard.com/open-finance-us/documentation/connect/integrating/index.md) section which discusses each of the Data Connect SDKs (Web, iOS, Android, and React Native). This documentation now provides details of how you can implement app to app authentication on mobile platforms either with the mobile SDKs or by using the Web SDK and displaying web content within secure web containers or webviews. | | 06 Mar 2024 | The new [Client Hub](https://developer.mastercard.com/open-finance-us/documentation/client-hub-guide/index.md) portal offers an easy-to-use interface to monitor the health of financial institutions and simplify your billing reconciliation process. | | 19 Feb 2024 | As a [direct partner](https://developer.mastercard.com/open-finance-us/documentation/participant-model/partner-direct/index.md), you can now use the Mastercard Developers Dashboard to [onboard](https://developer.mastercard.com/open-finance-us/documentation/participant-model/partner-direct/onboarding-customers/index.md#onboard-using-mastercard-developers-dashboard) and [manage](https://developer.mastercard.com/open-finance-us/documentation/participant-model/partner-direct/managing-customers/index.md#manage-using-the-mastercard-developers-dashboard) your affiliate customers. **Breaking Change** : To comply with data regulations, we've introduced a breaking change in the [Mastercard Developers API](https://developer.mastercard.com/mastercard-developers-api/documentation/api-reference/) that now requires you to update your integration. The [POST /projects](https://developer.mastercard.com/mastercard-developers-api/documentation/api-reference/) endpoint has been updated to include: * `commercialCountries` (required) - A list of countries where the project's customers are located * `deploymentCountries` (optional) - A list of countries where this project is hosted. | | 09 Feb 2024 | The [Data Connect React Native](https://developer.mastercard.com/open-finance-us/documentation/connect/integrating/sdk/react-native-sdk/index.md) SDK v2.0 is now available which supports app to app authentication. The Data Connect React Native SDK provides an easy way for you to integrate Mastercard Open Banking Data Connect into your React Native mobile application, providing another option in addition to our native iOS and Android Data Connect SDKs. | | 08 Feb 2024 | **New Feature** : The new [Business Services APIs](https://developer.mastercard.com/open-finance-us/documentation/customer-records/index.md#businesses) provide details on how you can create and manage business records associated with customers. | | 14 Dec 2023 | We've provided a sample React application which allows you to explore examples of the Open Banking APIs can be implemented in your applications. The sample source code is available on GitHub. See the [Reference App](https://developer.mastercard.com/open-finance-us/documentation/reference-app/index.md) section for details. | | 23 Nov 2023 | The [Lend Statements documentation](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/statements/index.md) now provides a detailed explanation of how to generate Statement Reports, with a sequence diagram illustrating the API calls involved. | | 20 Nov 2023 | The new [Experience Design Guide](https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/index.md) provides UX recommendations and best practices advice for how to present the Data Connect flow in your application. | | 8 Nov 2023 | We've added a [Use Cases](https://developer.mastercard.com/open-finance-us/documentation/usecases/index.md) section which describes the API flows involved in various Open Banking applications. | | 17 Oct 2023 | We've updated the way in which the [API Reference](https://developer.mastercard.com/open-finance-us/documentation/api-reference/index.md) is displayed, with separate sections for API [Endpoints](https://developer.mastercard.com/open-finance-us/documentation/api-reference/index.md?view=api) and [Models](https://developer.mastercard.com/open-finance-us/documentation/api-reference/index.md?view=model) (structures). | | 16 Oct 2023 | You can now browse a table showing the current state of the [Supported Institutions](https://developer.mastercard.com/open-finance-us/documentation/financial-institution/supported-institutions/index.md). The table lists the Financial Institutions (FIs) which have gone through our certification process, showing which products each FI supports. | | 25 Aug 2023 | The [Account Balance](https://developer.mastercard.com/open-finance-us/documentation/products/pay/account-balance/index.md) documentation has been updated and a note about Chase Webview support has been added to the [Generate Data Connect URL - Webviews](https://developer.mastercard.com/open-finance-us/documentation/connect/generate-2-connect-url-apis/index.md#webviews) section. | | 18 Aug 2023 | The Data Connect Full user experience has been updated so that the first screen the customer lands on shows the terms and conditions and privacy agreement. Because this screen appears before the FI selection screen, the user only has to interact with it once, rather than each time they select an FI. The new flow is described in the [Data Connect](https://developer.mastercard.com/open-finance-us/documentation/connect/index.md#the-data-connect-flow) section, and there is a new [Data Connect route event](https://developer.mastercard.com/open-finance-us/documentation/connect/integrating/sdk/events/connect-route-events/index.md) associated with the new landing screen. | | 11 Aug 2023 | Introduced [Partner Direct Model](https://developer.mastercard.com/open-finance-us/documentation/participant-model/partner-direct/index.md) for direct partners of Mastercard Open Banking services to seamlessly onboard their affiliate customers through [Mastercard Developers API](https://developer.mastercard.com/open-finance-us/documentation/participant-model/partner-direct/onboarding-customers/index.md). The [Android SDK](https://developer.mastercard.com/open-finance-us/documentation/connect/integrating/sdk/android/index.md) and [iOS SDK](https://developer.mastercard.com/open-finance-us/documentation/connect/integrating/sdk/ios/index.md) documentation now includes details on app to app authentication support for iOS and Android. | | 22 Jun 2023 | Updated the warning note about upgrading the Mastercard Open Banking Android SDK to the [Android SDK documentation](https://developer.mastercard.com/open-finance-us/documentation/connect/integrating/sdk/android/android-sdk/index.md), and improved the Testing section of the [Account Validation Assistant (AVA)](https://developer.mastercard.com/open-finance-us/documentation/products/pay/account-validation-assistant/index.md) documentation. | | 02 Jun 2023 | Added warning note about upgrading to the latest version of the Mastercard Open Banking Android SDK to the [Android SDK documentation](https://developer.mastercard.com/open-finance-us/documentation/connect/integrating/sdk/android/android-sdk/index.md), in order to maintain support for Custom Tabs. | | 19 May 2023 | **New Feature** : We've added a new feature, [Account Validation Assistant (AVA)](https://developer.mastercard.com/open-finance-us/documentation/products/pay/account-validation-assistant/index.md). This provides bank account validation by allowing partners to verify their customers bank account details using microdeposits before initiating payments. | | 15 May 2023 | The [Verification of Account Owner](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-account-owner/index.md) documentation now includes details of a new option which allows you to obtain Ekata identity insights data. This option is in Beta and will incur an additional cost. Contact your Sales representative/Account Manager to learn more and join the pilot group. | | 02 May 2023 | We've updated the [Lend Reports](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/index.md) documentation to include a "How It Works" section with a sequence diagram. The Generate VOE Payroll and Generate VOIE Payroll Reports requests now include `marketSegment` and `purpose` parameters. We've also updated the [Financial Institutions](https://developer.mastercard.com/open-finance-us/documentation/financial-institution/index.md) page to include descriptions of the Get Institution Branding by ID and Get Certified Institutions With RSSD endpoints. | | 06 Apr 2023 | The Data Connect Full, Lite, and Fix experiences can all now be displayed in a webview within a native application, rather than in a browser. A new request parameter `isWebView` has been added to the relevant [Generate Data Connect URL](https://developer.mastercard.com/open-finance-us/documentation/connect/generate-2-connect-url-apis/index.md) endpoints, which you must specify when using webviews. We've also re-worked the Generate Data Connect URL documentation and included details of the [Send Data Connect Email](https://developer.mastercard.com/open-finance-us/documentation/connect/generate-2-connect-url-apis/index.md#send-data-connect-email) endpoint. | | 05 Apr 2023 | We've added a list of the [FIs which currently have OAuth connections](https://developer.mastercard.com/open-finance-us/documentation/financial-institution/oauth-connections/index.md#oauth-fi-connections). | | 06 Mar 2023 | Updated [Verification of Account Owner](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-account-owner/index.md) documentation. The new V3 version of this API is recommended for all users. | | 23 Feb 2023 | Added documentation for [Partner Linked Access](https://developer.mastercard.com/open-finance-us/documentation/participant-model/partner-linked/index.md). This allows you to collect consent from your customer to enable a third party (such as a payment processor) to retrieve customer data from Mastercard Open Banking. The third party will only have access to the specific data which the customer grants consent for. | | 22 Feb 2023 | Significant re-organisation of [Product](https://developer.mastercard.com/open-finance-us/documentation/products/index.md) pages. All products are now grouped into either [Lend](https://developer.mastercard.com/open-finance-us/documentation/products/lend/index.md), [Manage](https://developer.mastercard.com/open-finance-us/documentation/products/manage/index.md), or [Pay](https://developer.mastercard.com/open-finance-us/documentation/products/pay/index.md). As part of this work the [Manage](https://developer.mastercard.com/open-finance-us/documentation/products/manage/index.md) pages relating to data access ([Account Aggregation](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-aggregation/index.md), [Transaction Data](https://developer.mastercard.com/open-finance-us/documentation/products/manage/transaction-data/index.md), and [TxPUSH](https://developer.mastercard.com/open-finance-us/documentation/products/manage/tx-push/index.md)) have been improved, and [Data Access Tiers](https://developer.mastercard.com/open-finance-us/documentation/products/manage/data-access-tiers/index.md) are introduced. | | 01 Feb 2023 | Added documentation for [Balance Analytics](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/balance-analytics/index.md) and [Cash Flow Analytics](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/cash-flow-analytics/index.md). | | 15 Nov 2022 | Initial version of this documentation published to Mastercard Developers. |