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Enabling Fair Access to Credit: powered by IBM Z & Finclude

By Melissa Sassi posted Fri May 29, 2020 08:55 AM


Business Challenge

There are 510 million people across European Union without a common credit score to interact with financial institutions, either within borders or abroad; a problem solved long ago in the US. Young people, self-employed, or expats face challenges getting credit facilities and financial institutions rely on snapshots to make decisions. This has left more than 58 million Europeans without access to any credit facility whatsoever.

About Finclude

Finclude (fka Verge.Capital) offers a creditworthiness and affordability score that is not based on past credit events but on a person’s financial & transactional behavior. Our score follows the individual across borders, powered by PSD2 open APIs. We enhance traditional credit scoring capabilities with an all-digital score that is based both on traditional creditworthiness assessment, as well as on machine learning models built on top of transactions and spending behaviors.

1 Minute Pitch

Check out Finclude’s 2-minute pitch video.



“Through our participation in the program and the collaboration with IBM, we gained access to all the resources we were looking for and so much more. We were able to build our platform on top of the most secure cloud infrastructure and we could tap a pool of experts that fueled our growth. I would highly recommend to any startup with privacy & security at heart, to apply to this program.”

-Ioanna Stanegloudi, Co-Founder & Chief Risk Officer, Finclude

Digital Transformation

Hosted in the IBM Cloud and powered by IBM Cloud Hyper Protect Services, its platform is configured to provide maximum security, including hardware-driven cryptography that allows the platform to be protected by a dedicated hardware security module (HSM) that meets FIPS 140-2 Level 4 certification – the only one in the industry that meets such standards. This means that even if an attacker has physical access to the data center where your cloud service resides, tamper-resistant hardware keeps its customer data protected.


  • Empowers its customers and partner banks to make better financial and credit decisions.
  • Secures sensitive data with the highest standards in the industry.
  • Transforms vast volumes of complex information in an easy-to-use, digital first tool.

Solution Components

Take the Next Step

IBM Hyper Protect Accelerator empowers early-stage fintech, healthtech, and insurtech founders with solutions that collect, store, and/or transmit sensitive customer data. We recruit startups from across the globe that are less than $1M in revenue and less than five years old to build and scale their businesses through access to IBM Cloud credits and business and technical mentorship. Learn more here.

See you there!

Melissa Sassi
Chief Penguin
IBM Z Hyper Protect Accelerator