Mifundo

Mifundo is a pan-European credit data platform that enables banks to instantly verify cross-border credit histories, helping lenders reduce foreign-customer risk and make faster, fairer credit decisions. Banks can access verified credit data across Europe through a single, standardised platform that unifies and enriches bureau and open-banking information for a complete credit view.

As the revised Consumer Credit Directive II introduces new expectations for consistent, data-driven affordability checks, Mifundo helps banks stay compliant while ensuring fair access to credit for people moving within the EU. Backed by the European Innovation Council, it is building the trusted infrastructure for seamless, responsible lending in Europe.