2021 Vanguard: Steve Smith


With more than 25 years  of executive management and entrepreneurial experience, Finicity CEO and Co-founder Steve Smith has developed Finicity into a leading provider of data and insights and a trusted open banking platform that has led to innovations in the Mortgage space with large lenders like Rocket Mortgage, Guaranteed Rate and Sierra Pacific. Smith’s leadership and vision has positioned Finicity as a leader within mortgage and also the broader financial services industry. 

Under Smith’s leadership over the past year, Finicity launched new products, continued to lead the market in direct access agreements and became part of Mastercard. All of these activities strengthen Finicity’s position as a leader in open banking and a trusted provider of data and insights to the mortgage industry, credit decisioning and broader financial services industry. 

In February of this year, Finicity launched Mortgage Verification Service, a FCRA-compliant service that uses Finicity’s open banking platform to leverage high-value data from financial institutions and provide real-time insights and verifications that prove creditworthiness in a matter of minutes. MVS delivers complete and accurate information to the lender and streamlines the consumer flow into a single experience that’s completed in minutes. Deeply involved in Finicity product strategy, partnership development and customer acquisition, Smith is the driving force behind the company’s success.

Smith’s drive helped propel the company to join the Mastercard family in November 2020. Not only is he responsible for growing Finicity’s services under the Mastercard umbrella, but he was also promoted to head of global open banking. 

What’s the secret to your success?

“My secret to success has been to stay true to the original mission when we started Finicity. Through the changes in technology and pivots in our business, we have always kept the same guiding mission.”


Steve Smith


CEO and Co-founder of Finicity | Global Head of Open Banking at Mastercard

Company Name:

Finicity | Mastercard

3d rendering of a row of luxury townhouses along a street

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