FINcredible verifies your customers’ creditworthiness, identity and affordability digitally — for tailored credit decisions, without the wait.
Industries · Banking & Financial Services
Banking & Leasing. Know Your Customer, in seconds.
About This Industry
A good credit decision needs a complete picture: who is my customer, really? And can they afford the loan or leasing installment? FINcredible delivers identity, creditworthiness and affordability based on real account data — faster than any manual check.
Complemented by AML customer identification and PEP screening, your credit decision stays legally sound. And since the VKrG 2026 will require verified financial data instead of self-declared figures from November 20, 2026 anyway, FINcredible already puts you where regulation is still headed.
The right loan for the right person
FINcredible shows you identity, creditworthiness and affordability at a glance — for decisions that fit your customers.
Compliance without delay
AML customer identification and PEP screening run digitally, without slowing down your credit decision.
Our results in numbers
100% digital
Verification without paperwork
From identity check to credit decision, everything runs online.< 1 minute
Time to result
That's how fast each individual check delivers a result.§ 17 VKrG 2026
A legally sound basis
The data basis meets the requirements of the new creditworthiness assessment.Ready to Secure Your Business. Contact Us Today & Scale Your Growth
Industry set of features
From the affordability check to electronic communication — every solution for banks and leasing providers.
Affordability Check
FINcredible delivers a digital bank statement, income and employer verification, and a digital household budget, optionally supplemented with scoring data from KSV1870 or Schufa — the data basis for § 17 VKrG 2026.Identity Verification
FINcredible confirms new customers' identity digitally — via ID Austria, Bank-Ident or Document-Ident, with no paper copies.PEP & Sanctions List Screening
FINcredible automatically screens customers against politically exposed persons lists and relevant sanctions lists.CompetitIve Insights
As an optional add-on, FINcredible detects existing loan or leasing contracts with other providers. This lets you create a tailored counteroffer.SEPA eMandate
FINcredible sets up the direct debit mandate for the monthly installment digitally — legally valid, with no signed paper form.Electronic Communication
FINcredible confirms customers' communication data via strong customer authentication (2FA), meeting the requirements of § 38 BWG.Trusted by Europe’s Leading Enterprises
From established financial institutions and property managers to high-growth digital platforms, market leaders rely on FINcredible. As a fully regulated, PSD2-authorized partner, we provide the real-time, fraud-proof bank data our clients need to make smarter decisions and build lasting trust
Why FINcredible
Regulated. Accredited. Bank-Ready.
FINcredible makes complex identity, creditworthiness, and onboarding processes simple, intuitive, and digitally accessible for banks, leasing providers, and their customers.
Decisions in Real Time
Identity, account data, creditworthiness, and fraud risks are securely verified and analyzed in real time enabling faster, more informed customer processes.
Modular. Scalable. Tailored.
From individual modules to a complete solution suite flexibly adaptable to your industry and operational processes.
Simple & Accessible
Complex technology, designed for seamless usability for your teams and customers, without technical barriers.
How FINcredible Works? Technology and infrastructure for secure digital financial, identity and verification processes.
Modular services for secure, digital and compliant customer processes.
Analytics & Data Intelligence
Real-time analytics for informed financial and regulatory decision-making.
Integration Support
Seamless integration into existing systems via API, WebApp or white-label solutions.
Customization
Custom verification and decision models tailored to industry, risk and process requirements.
Ready for VKrG 2026-compliant credit checks in under a minute?
More Case Studies
Check out our case studies.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis. Class aptent taciti sociosqu ad litora torquent per.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis. Class aptent taciti sociosqu ad litora torquent per.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis. Class aptent taciti sociosqu ad litora torquent per.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis. Class aptent taciti sociosqu ad litora torquent per.
The New Legal Framework
Affordability Check
AML & Customer Identification
Contract Processing & Trust
What is the VKrG 2026?
The VKrG 2026 is Austria’s Consumer Credit Act implementing the EU Consumer Credit Directive (CCD2). It takes effect on November 20, 2026, fully replacing the previous VKrG 2010.
When does the new Consumer Credit Directive take effect in Austria?
The new provisions apply from November 20, 2026, to all newly concluded consumer credit agreements.
What changes with the VKrG 2026 in credit lending?
Under the VKrG 2026, credit may only be granted following a positive creditworthiness assessment. The assessment must be based on meaningful, verified information on income, expenses, assets and liabilities.
Is a self-declaration still sufficient for the creditworthiness check under VKrG 2026?
No. The VKrG 2026 requires verified financial data instead of self-declared figures. FINcredible delivers this data directly from your customers’ accounts.
Does the VKrG 2026 also apply to leasing contracts?
Yes, leasing contracts with a purchase option fall under the expanded scope of the new Consumer Credit Directive.
Is FINcredible already prepared for the VKrG 2026?
Yes. FINcredible already delivers verified financial data instead of self-declared figures today — exactly the data basis the VKrG 2026 will make mandatory from November 2026.
What is an affordability check?
An affordability check determines whether a person can realistically service a loan or leasing installment based on their actual financial situation.
Which data sources does FINcredible provide for the affordability check?
FINcredible provides a digital bank statement, income and employer verification, and a digital household budget, optionally supplemented with scoring data from KSV1870 or Schufa.
What does FINcredible's digital bank statement show?
FINcredible’s digital bank statement shows account activity from up to the past 12 months, structured and machine-readable.
How do KSV1870 and Schufa data differ within FINcredible?
KSV1870 covers the Austrian market, Schufa the German market. FINcredible integrates both optionally as a complement to its own account analysis, depending on where your customers are based.
How quickly is a digital household budget from FINcredible available?
FINcredible’s digital household budget is typically available within minutes.
What does the FM-GwG require from banks and leasing providers?
The FM-GwG requires banks and leasing providers to unambiguously identify their customers and screen them against relevant risk lists before establishing a business relationship.
What is PEP screening?
PEP screening checks whether a person qualifies as a politically exposed person — a legally required check as part of anti-money-laundering due diligence.
Why do I need FINcredible's PEP and sanctions list screening?
The FM-GwG requires you to screen your customers against politically exposed persons lists and relevant sanctions lists. FINcredible performs this screening automatically.
How fast is identity verification with FINcredible?
Identity verification with FINcredible typically takes under a minute.
How does FINcredible help create offers for new customers?
As an optional add-on, FINcredible detects existing loan or leasing contracts with other providers. This lets you create a targeted counteroffer instead of offering flat, standard conditions.
How does FINcredible protect against fraud in lending?
FINcredible’s Identity Verification confirms who is actually applying for a loan. The Creditworthiness Check separately shows whether repayment is realistically possible.
What does § 38 BWG regulate for electronic communication?
§ 38 (6) in conjunction with (2)(5) BWG allows strong customer authentication as a substitute for the written-form requirement when consenting to electronic communication. FINcredible implements this authentication digitally.
Can I use the FINcredible solutions individually?
Yes, all solutions listed are standalone and can be used individually or combined — whatever fits your needs.
Is FINcredible's process GDPR-compliant?
Yes, all data collection and processing at FINcredible meets GDPR requirements.
Testimonials
See what our clients say about working with us.
5/5
“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
5/5
“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
5/5
“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
5/5
“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
5/5
“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
5/5
“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
5/5
“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
Fill in the form and you will receive an answer as soon as possible.
Our team of experts is ready to answer your questions, give you more info and help you.
