FINcredible

FINcredible is an Austrian-based Account Information Service Provider (AISP) specializing in digital PoS credit check & identity solutions for private individuals based on bank account transaction data. We offer a range of solutions for the real estate industry, from rental to financing. Our technolgoy is based on the Open Banking Initiative (Payment Service Directive 2), which regulates the access of bank transaction data for all EU membership states. This enables FINcredible to offer its credit check & identity solutions in the entire EU area. FINcredible has been founded by a team of financial economists, data scientists and IT specialists as a spin-off from the Vienna University of Economics and Business, which is Europe's largest university focusing on business and economics. The founding team has more than 30 years of experience in financial and credit risk modeling.