As banks digitize their lending processes and seek to expand credit access across borders, it is becoming increasingly difficult to make fast, accurate credit decisions. To mitigate risk, lenders need real-time insights into spending habits, automated functionality, and visibility into a broader set of data, especially as they seek to improve speed, enhance the customer experience, and maintain compliance.
At FinovateEurope 2026, a new group of fintechs will showcase how they are addressing these challenges by bringing intelligence and automation directly into the lending process. From sourcing alternative credit data to deploying AI-driven lending agents, the companies below are helping banks and lenders modernize credit decisioning while keeping risk in check.
FinovateEurope 2026 will take place at London’s InterContinental O2 on February 10 and 11. Tickets are available now. Visit our FinovateEurope hub today and save your spot!
Intuitech
Intuitech brings live AI agents into lending workflows to automate manual, time-consuming processes across origination and servicing. The company helps lenders streamline tasks including data collection, validation, and borrower interactions. This automation helps reduce operational burden while improving speed and consistency.
By embedding AI agents directly into clients’ lending operations, Intuitech enables them to scale their lending activity without requiring additional talent in-house. The automated approach helps bring modern credit delivery to lenders of all sizes.
Mifundo
Mifundo’s technology enables customers to assess cross-border credit risk by sourcing and standardizing credit data from across European markets. The company helps lenders better evaluate borrowers with international financial histories by assess creditworthiness for mobile, expatriate, and cross-border customers. Mifundo enables banks to reach more borrowers, as many are underserved by traditional credit systems and therefore are overlooked.
With remote work becoming more popular and the potential for cross-border lending increasing, firms are realizing that there is a gap in data for European credit markets. Mifundo closes this gap by expanding access to reliable credit information, ultimately helping lenders minimize risk while unlocking new lending opportunities across borders.
Sea.dev
sea.dev provides real-time risk insights designed to help lending teams make better credit decisions across the loan lifecycle. The company’s platform aggregates and analyzes borrower, portfolio, and market-level data to offer lenders clearer visibility into risk exposure, ultimately supporting faster approvals.
sea.dev enables lending teams to continuously monitor risk and adapt decisions as inputs change. The company’s more dynamic, insight-driven approach helps lenders explore more products and serve new borrower segments.
Why banks should care
With more consumer data available than ever before, lenders can now underwrite loans more effectively, especially for customers who were once considered risky or had limited credit histories. This abundance of data also introduces new challenges, including inaccurate, unclean, or cross-border information that can complicate analysis and require specialized expertise. Fortunately, new tools are emerging to help automate data collection, filtering, and validation. These tools have the potential to enable lenders of all sizes to expand their reach and better serve a broader customer base.
Photo by RDNE Stock project
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