As banks digitize their lending processes and search to broaden credit score entry throughout borders, it’s turning into more and more tough to make quick, correct credit score selections. To mitigate threat, lenders want real-time insights into spending habits, automated performance, and visibility right into a broader set of knowledge, particularly as they search to enhance velocity, improve the shopper expertise, and keep compliance.
At FinovateEurope 2026, a brand new group of fintechs will showcase how they’re addressing these challenges by bringing intelligence and automation immediately into the lending course of. From sourcing different credit score knowledge to deploying AI-driven lending brokers, the businesses beneath are serving to banks and lenders modernize credit score decisioning whereas protecting threat in examine.
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 the moment and save your spot!
Intuitech
Intuitech brings reside AI brokers into lending workflows to automate guide, 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 velocity and consistency.
By embedding AI brokers immediately into shoppers’ lending operations, Intuitech allows them to scale their lending exercise with out requiring extra expertise in-house. The automated method helps convey trendy credit score supply to lenders of all sizes.
Mifundo
Mifundo’s expertise allows prospects 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 cellular, expatriate, and cross-border prospects. Mifundo allows banks to succeed in extra debtors, as many are underserved by conventional credit score methods and subsequently are neglected.
With distant work rising in popularity and the potential for cross-border lending growing, corporations 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, finally serving to lenders reduce threat whereas unlocking new lending alternatives throughout borders.
Sea.dev
sea.dev offers real-time threat insights designed to assist lending groups make higher credit score selections 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, finally supporting quicker approvals.
sea.dev allows lending groups to constantly monitor threat and adapt selections as inputs change. The corporate’s extra dynamic, insight-driven method 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 purchasers who have been as soon as thought of dangerous or had restricted credit score histories. This abundance of knowledge additionally introduces new challenges, together with inaccurate, unclean, or cross-border info that may complicate evaluation and require specialised experience. Happily, new instruments are rising to assist automate knowledge assortment, filtering, and validation. These instruments have the potential to allow lenders of all sizes to broaden their attain and higher serve a broader buyer base.
Photograph by RDNE Inventory venture
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