As banks digitize their lending processes and search to develop credit score entry throughout borders, it’s turning into more and more troublesome to make quick, correct credit score choices. To mitigate threat, lenders want real-time insights into spending habits, automated performance, and visibility right into a broader set of information, particularly as they search to enhance pace, improve the client expertise, and preserve compliance.
At FinovateEurope 2026, a brand new group of fintechs will showcase how they’re addressing these challenges by bringing intelligence and automation instantly into the lending course of. From sourcing various credit score knowledge to deploying AI-driven lending brokers, the businesses under are serving to banks and lenders modernize credit score decisioning whereas preserving threat in test.
FinovateEurope 2026 will happen at London’s InterContinental O2 on February 10 and 11. Tickets can be found now. Go to our FinovateEurope hub at this time and save your spot!
Intuitech
Intuitech brings reside AI brokers into lending workflows to automate handbook, time-consuming processes throughout origination and servicing. The corporate helps lenders streamline duties together with knowledge assortment, validation, and borrower interactions. This automation helps cut back operational burden whereas bettering pace and consistency.
By embedding AI brokers instantly into purchasers’ lending operations, Intuitech allows them to scale their lending exercise with out requiring further expertise in-house. The automated strategy helps deliver fashionable credit score supply to lenders of all sizes.
Mifundo
Mifundo’s expertise allows clients to evaluate cross-border credit score threat by sourcing and standardizing credit score knowledge from throughout European markets. The corporate helps lenders higher consider debtors with worldwide monetary histories by assess creditworthiness for cell, expatriate, and cross-border clients. Mifundo allows banks to achieve extra debtors, as many are underserved by conventional credit score techniques and subsequently are missed.
With distant work rising in popularity and the potential for cross-border lending growing, companies are realizing that there’s a hole in knowledge for European credit score markets. Mifundo closes this hole by increasing entry to dependable credit score info, in the end serving to lenders reduce threat whereas unlocking new lending alternatives throughout borders.
Sea.dev
sea.dev supplies real-time threat insights designed to assist lending groups make higher credit score choices throughout the mortgage lifecycle. The corporate’s platform aggregates and analyzes borrower, portfolio, and market-level knowledge to supply lenders clearer visibility into threat publicity, in the end supporting sooner approvals.
sea.dev allows lending groups to constantly monitor threat and adapt choices as inputs change. The corporate’s extra dynamic, insight-driven strategy helps lenders discover extra merchandise and serve new borrower segments.
Why banks ought to care
With extra shopper knowledge out there than ever earlier than, lenders can now underwrite loans extra successfully, particularly for patrons who have been as soon as thought-about dangerous or had restricted credit score histories. This abundance of information additionally introduces new challenges, together with inaccurate, unclean, or cross-border info that may complicate evaluation and require specialised experience. Thankfully, new instruments are rising to assist automate knowledge assortment, filtering, and validation. These instruments have the potential to allow lenders of all sizes to develop their attain and higher serve a broader buyer base.
Photograph by RDNE Inventory venture
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