The organization
About Our Company
FINcredible is Austria’s first account information service provider authorized under EU PSD2/ZaDiG-2018 and supervised by the Financial Market Authority (FMA).
Specializing in digital creditworthiness and ID solutions based on live bank account data, FINcredible also offers extensive services in data science analytics — with a strong commitment to security and data protection.
Founded in 2017 as an academic spin-off by researchers from Vienna University of Economics and Business, IMC FH Krems, and MODUL University Vienna, FINcredible combines deep fintech expertise with innovative technology.
Publications
Over 16 scientific publications in the fields of finance, optimization, data science, and applied statistics.
Consulting
Experience from more than 40 consulting projects in data science and finance for renowned banks and financial service providers.
Conferences
60+ expert presentations at international scientific conferences and keynote speeches at industry events.
Mission and Vision
Our Mission
Onboarding, made easy. Our scalable all-in-one open finance solution automates onboarding, enables better decisions and minimizes risk. Simple, efficient, digital, and with the highest level of privacy protection.
Our Vision
FINcredible is one of the leading international onboarding providers built on open finance technology. By actively involving end customers, business becomes secure and transparent. Our adaptable solutions deliver maximum conversion and efficiency.
FINcredible Story
Since 2017, FINcredible has evolved from an academic research project into an established provider of digital identity, creditworthiness and onboarding solutions. These milestones mark our journey.
Today - From fintech to trusted technology partner
Today, FINcredible works with companies and organisations across financial services, insurance, real estate, mobility and the non-profit sector.
Organisations such as Wüstenrot, Mercedes Benz Financial Services, Caritas, Wien-Süd and Willhaben use FINcredible solutions to simplify digital processes — from identity verification and creditworthiness checks to account data analysis and SEPA mandates.
What started as an academic project has become an established technology partner for secure and seamless digital onboarding.
2025 - Fully integrated: FINcredible becomes part of the KSV1870 Group
FINcredible becomes a wholly owned member of the KSV1870 Group, bringing together its technological expertise with KSV1870’s extensive experience in credit protection and business information.
The full integration creates a strong foundation for developing digital solutions for identity verification, creditworthiness assessment and data-driven onboarding across the group.
2022 - A stronger partnership: KSV1870 acquires the majority stake
KSV1870 increases its stake in FINcredible to 58.6%, taking the existing strategic partnership to the next level.
FINcredible’s account information technology becomes an important component of the group’s digital creditworthiness and identity verification services.
© Anna Rosenberger
2021 - Recognised: Winner of the APTI Award
FINcredible wins the 2021 PropTech Award in the “Invest & Finance” category, standing out among around 100 submissions and twelve finalists.
Presented by the Austrian PropTech Initiative at Palais Eschenbach in Vienna, the award recognises FINcredible’s contribution to the digitalisation of creditworthiness checks in the real estate sector.
© Jana Madzigon
2019 - A regulatory milestone: Austria’s first licensed account information service provider
FINcredible becomes Austria’s first account information service provider licensed by the Financial Market Authority under PSD2 and the Austrian ZaDiG 2018.
In the same year, KSV1870 joins FINcredible as a strategic investor, acquiring a 25.1% stake and laying the foundation for the partnership that follows.
2017 - The beginning: From academic research to fintech
FINcredible is founded with roots in academic research at WU Vienna, IMC University of Applied Sciences Krems and MODUL University Vienna.
A multidisciplinary team of economists, data scientists and IT specialists sets out to develop a new approach to digital identity and creditworthiness verification based on bank account data.
Our Leadership
Michael Pavlik
Günther Fasching
Alexander Eisl
Our results in numbers
#1
Austria's First Regulated Account Information Service Provider
Licensed under ZaDiG 2018 since March 6, 2020 — setting the pace on regulation and innovation ever since.
Countries
EU, UK and Switzerland, extendable to the countries of your choice.
EU-wide account coverage
Varies by country.
Scientific publications
In finance, optimization, data science, and applied statistics.
Consulting projects
Data science & finance for banks and financial service providers.
Job offers
We’re making onboarding and credit checks in Austria digital, fast and secure. Want to be part of it? Get to know us.
Browse What We Do
Technologies
Testimonials
See what our clients say about working with us.
“FINcredible demonstrates what responsible handling of user data protection can look like. For the founders, data privacy is a top priority.”
Philipp Kinsky, Partner, HERBST KINSKY Rechtsanwälte GmbH
“FINcredible has an enormously strong team. With their product ‘FINcredible MietCheck’ and their focused market approach, this FinTech company has extraordinary potential.”
Patrick Pöschl, Chairman, Fintech Austria
“ImmoScout24 continuously improves its service for property seekers. The partnership with FINcredible for creditworthiness checks helps future tenants present themselves competently and credibly to landlords, while protecting their data far better than has traditionally been common practice.”
Markus Dejmek, Austria Country Manager, ImmoScout24
“Currently, willhaben lists more than 20,000 rental apartments and over 1,300 houses for rent. Once someone has found their dream property with us, they often have very little time to stand out against other prospective tenants. That’s why we’re glad to have FINcredible as a partner at our side, making the property search even easier for our users while placing just as much value on security and data protection as we do.”
Judith Kössner, Head of Real Estate, willhaben
“We wanted to close the gap between modern property management and well-founded tenant decisions. With FINcredible, we’re integrating a solution that creates transparency and supports owners in one of the most important decisions in the rental process.”
Laurens Pohl, CEO, ImmoAssist
“Our goal is to make financing as simple as possible, without losing sight of responsibility or reliability.”
Herbert Hirscher, CEO, Mercedes-Benz Financial Services Austria
“With this modern solution, which we are initially testing in the Diocese of St. Pölten and then plan to roll out across Austria, we are creating a win-win situation: more efficient processes for us, the highest security for our donors, and an active contribution to environmental protection.”
Christoph Riedl, Secretary General, Caritas St. Pölten