Finclude

Finclude offers an API that provides an affordability score based on transactional behavior, enabling creditworthiness assessment even for individuals with no credit history. Leveraging licensed Open Banking capabilities, their solution helps businesses minimize defaults, manage risk, and expand into new markets by offering appropriate credit terms and avoiding client over-indebtedness. Finclude's platform handles the data value chain, featuring a smart categorization engine and adaptive learning for cash flow projections.