Finclude, a Scale Up Cohort 5 member, is transforming credit assessment for over 200 million Europeans without universal credit scores, enhancing financial inclusivity. By leveraging transactional data, they provide accurate creditworthiness evaluations, especially for those without traditional credit histories. Their advanced Machine Learning-based scoring model analyzes spending patterns for a comprehensive view of financial health. Through API integration, Finclude improves digital engagement and ensures precise underwriting for banks, fintechs, retailers, property renters, and betting companies. 

Partnerships with leaders like MasterCard and IBM set a new standard in credit scoring and promote an inclusive financial ecosystem across Europe.

Finclude in Three:

What problem is Finclude solving? Finclude tackles financial exclusion by offering credit assessments for over 200 million Europeans without traditional credit scores.

What’s innovative about Finclude? Finclude innovates with a pan-European credit scoring system that uses transactional data and advanced Machine Learning to assess creditworthiness based on spending patterns.

Who can use Finclude? Finclude's services are available to banks, fintechs, retailers, property renters, and betting companies, ensuring equitable credit access.