One single source for unified pan-European
consumer credit data
- Access to multi-country credit history
- One single API
- Ready-to-go compliance pack
Licensed by FSA
people in Europe
Effortless cross-border lending solutions
Integrate with Mifundo to seamlessly access and analyze international credit data, enhance customer onboarding, and make informed lending decisions in real-time.
Rise your business volume by 15%
→ Assess the risk of foreigners with trustworthy data in real-time
→ Get high-quality credit applicants by using Mifundo’s AI platform
Reduce the credit risk of foreigners up to 7x
→ Decrease foreigner’s default risk by several times
→ Use Mifundo’s data with your credit risk model to keep things under control
→ Seamless real-time integration, get data with 1 click
→ Total frictionless UX - no hassles, no cumbersome processes for your customers
Use cases for banks
Relocation to a new country or returning back
Daily commuting between multiple countries
Buying property in another country
Assess non-resident foreigners
Main features
Data
- Data from cross-border credit bureaus
- Open-banking
- Cross-border registries and other public sources
- Standardised credit-score
- AI-data analysis and credit scoring
- Probability of default
- Compliance (PEP, KYC, AML)
Technology
- One single Plug&Play over API
- Real-time standardised credit bureau data
- Download raw data for your credit-model engine
- Custom features and flexibility to fit your credit evaluation and onboarding process
Customers
- Engage customers with a frictionless UX
- Be the point of reference for foreigners in your market
- Differentiate from competitors by offering a seamless customer journey
Awards and partners
Choose your plan
In all cases connection over API or manual process in the bank portal of Mifundo.
Beside EU data also certain non-EU countries are available.
Main
Data collection & risk analysis
Includes:
- Data from cross-border credit bureaus
- Data from other cross-border registries
- Data analysis and risk scoring
- Pricing: €/query
Optional:
- Foreign bank account statement analysis
- Combining data from multiple countries into one single analysis
- Reporting back to foreign credit bureau
- AML & PEP check
Bonus
New foreign customers
- Loan applications
- Collecting data from customer
- Preparing and signing loan contract
- Pricing: % from issued amount
Book a demo
Submit your information and we will contact you to see how we can grow your business together.
Questions & Answers
“I already have PSD2 data, it will tell me everything I need to know.”
Open banking relies solely on customer-provided data, potentially omitting undisclosed accounts, and reflects only current liabilities, excluding any past or present delinquencies.
“Your solution would cover only a small segment of our clientele.”
Feedback from our banking partners reveals that international clients and expatriates constitute about 10-15% of their existing portfolios—a significant, growing market.
We recommend reviewing your portfolio - the insights might surprise you.
“Foreign customers are riskier as they may return to their country.”
Mifundo mitigates this risk with comprehensive credit data and possibility to report back to the customer's home country credit bureau, ensuring clients remain committed to repayment, regardless of their location.
“It is too big effort to analyse data from so many countries.”
Mifundo simplifies this process by standardising the data, enabling your bank to use a single, standardised model.
