Finclude offers financial well being services that empower EU citizens fair access to credit and expand the retail credit markets for financial institutions. Our score is not based on past credit events but on financial & transactional behavior. Our score follows the individual across borders, based on PSD2 & open banking connections with European banks. Through direct-API connections with financial institutions across the EU, we aggregate and interpret transactional data for better credit decisions. Finclude goes beyond traditional credit scoring, providing a comprehensive view of a customer’s creditworthiness, affordability and financial behavior. We transform vast volumes of complex information into an easy-to-use, digital-first tool to help everyone make better financial and credit decisions. Our platform is available both to individuals who want to take their financial well being in their own hands, as well as to financial institutions who want to beef-up their credit assessment processes with real-time behavioral view in their credit applicants financial standing. We have developed our platform with security, automation and privacy at heart.