
Finclude revolutionizes creditworthiness and affordability assessment by analyzing transactional data and spending patterns. The company provides creditors and lenders with a holistic view of retail credit applicants, utilizing Machine Learning and Adaptive Learning models to verify financial information and assess creditworthiness. Their services are embedded via APIs into existing business applications, enhancing customer engagement and improving underwriting and pricing of post-paid services. Finclude's innovative approach ensures that individuals can demonstrate creditworthiness based on their actual financial data, promoting fairness in the financial system across the European Union.

Finclude revolutionizes creditworthiness and affordability assessment by analyzing transactional data and spending patterns. The company provides creditors and lenders with a holistic view of retail credit applicants, utilizing Machine Learning and Adaptive Learning models to verify financial information and assess creditworthiness. Their services are embedded via APIs into existing business applications, enhancing customer engagement and improving underwriting and pricing of post-paid services. Finclude's innovative approach ensures that individuals can demonstrate creditworthiness based on their actual financial data, promoting fairness in the financial system across the European Union.
What they do: Open banking APIs and ML-driven transactional analytics to assess creditworthiness and affordability
HQ / legal: Dublin, Ireland (operates under Verge Capital Limited)
Regulatory status: PSD2-registered Account Information Service Provider (AISP)
Team size (reported): Approximately 7 employees
Funding (reported): Seed funding from European and American angel investors; total reported funding amount $2,240,000 (USD) with last funding date 2023-05-31
Creditworthiness and affordability assessment for lenders and businesses; financial inclusion in the EU
Fintech
2240000.00 USD
Reported completion of seed funding from a mix of European and American angel investors