Finclude (fka. Verge.Capital)

At Finclude, we are redefining the landscape of credit scoring across Europe. With a deep commitment to innovation and financial inclusivity, we offer a unique pan-European credit scoring system that leverages transactional data to assess consumers’ creditworthiness – especially those without a traditional credit history. Our Mission: Democratizing credit scoring for the over 200 million people in Europe who are currently underserved by conventional credit systems. We aim to bridge the gap between financial institutions, fintechs, large retailers, and consumers who have been overlooked due to the absence of a universal credit score. Our Services: Finclude develops cutting-edge solutions tailored for a diverse range of clients including banks, fintechs, credit reference agencies, retailers, property renters, and betting companies. We offer: 1. Innovative Creditworthiness Assessment: Utilizing machine learning models, we provide forward-looking, inclusive assessments based on transactional behavior, irrespective of a consumer's credit history. 2. Regulatory Compliance: As a licensed Account Information Service Provider under PSD2, we ensure complete GDPR compliance and secure access to consumer banking data across the European Economic Area. 3. Comprehensive Consumer Insights: Our technology enables businesses to obtain a 360° view of their consumers' financial assets, enhancing decision-making processes and personalizing service offerings. 4. Digital Onboarding Acceleration: With our API suite, businesses can streamline their digital onboarding processes, expand their addressable markets, and foster upselling/cross-selling opportunities. We invite you to follow Finclude on our journey as we transform consumer credit assessments based on transactional behavior. Stay updated with our latest innovations, industry insights, and how we're contributing to a more inclusive financial ecosystem in Europe.