Strengthen your credit risk management with statistical analysis of real bank transaction data — enabling custom risk models and credit scoring logic that go beyond standard creditworthiness checks.
Services · Analytics & Data Intelligence
Sharper Credit Risk Assessment, Powered by Data Instead of Estimates
Trusted by Leading Banks and Financial Institutions
Copy on outcomes and adoption of the solution in existing customers’ credit risk
Custom Risk Logic, Not a Standard Model
Risk management decision logic is configured to your own criteria — tailored to your business model instead of a generic credit score.
Built on Real Transaction Data
Statistical analysis for your credit risk assessment is based on actual account activity, not self-reported information — giving you a reliable data foundation.
Risk Assessment for Individuals and Sole Proprietors
Whether private individuals or sole proprietors, the risk models cover both cases and can be tailored to the specific use case.
Industries & Sectors. Digital identity, financial and verification processes for regulated and data-driven industries.
Banking & Financial Services
Digital KYC, AML, affordability and account verification for secure and compliant financial processes.
Real Estate
Real-time affordability checks, account analysis and credit assessments for faster financing decisions.
Energy & Mobility
Digital onboarding, SEPA mandates and contract flows for modern subscription and mobility services.
Telecommunications
Faster customer onboarding through digital identity and payment capability verification.
Public Sector & Municipalities
Secure digital citizen, payment and verification processes for modern public administration.
HR & Payroll
IBAN NameCheck, account verification and digital employee onboarding with fewer manual errors.
NGOs & Membership Organizations
Digital SEPA mandates and frictionless verification processes for donations and recurring memberships.
Ready to Secure Your Business. Contact Us Today & Scale Your Growth
Services set of features
Custom Risk Models
Configured models for your credit risk management, aligned to your business line and risk criteria. Contact Us
Statistical Credit Risk Analysis
In-depth analysis of real, verified account data instead of estimates. Contact Us
Transaction Data Collection & Processing
Structured processing of account activity for risk assessment. Contact Us
Risk Screening for Individuals & Sole Proprietors
Assessment for both private individuals and sole proprietors. Contact Us
Decision Logic Integration
Your custom risk logic is built directly into the assessment process. Contact UsOur 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.
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Countries
EU, UK and Switzerland, extendable to the countries of your choice.
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EU-wide account coverage
Varies by country.
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Scientific publications
In finance, optimization, data science, and applied statistics.
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Consulting projects
Data science & finance for banks and financial service providers.
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
Ready for Credit Risk Management Built on Real Data, Not Estimates?
Questions
What is Credit Risk Analysis & Risk Modeling at FINcredible?
An add-on credit risk management service that uses statistical analysis of real bank transaction data to build custom risk models and credit scoring logic — complementing standard creditworthiness checks.
Does FINcredible's credit risk analysis replace standard creditworthiness checks?
No. Credit risk analysis is an additional service that goes beyond standard creditworthiness checks — it does not replace existing assessment processes.
How does FINcredible's credit risk analysis complement a traditional creditworthiness check via KSV1870 or Schufa?
Statistical analysis of real bank transaction data provides an additional, independent data foundation alongside a traditional creditworthiness check via KSV1870 or Schufa — both results are delivered separately and complement each other.
Who is FINcredible's credit risk analysis suited for?
Banks, leasing companies, insurers, and financial service providers looking to strengthen credit risk management beyond generic scoring with custom risk logic.
What data feeds into FINcredible's risk models?
Statistical analysis is based on actual bank transaction data from individuals and sole proprietors — not self-reported information or estimated values.
Can FINcredible's credit scoring be adapted to a company's own criteria?
Yes. The scoring model and underlying decision logic are configured individually to each company’s requirements.
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