Finclude (fka. Verge.Capital)

Finclude is a Fintech startup based in Ireland, founded in 2018. The company’s slogan, "Transforming Consumer Credit based on transactional behavior," encapsulates its mission to redefine credit scoring in Europe. Utilizing transactional data, Finclude offers a pan-European credit scoring system, catering to consumers without a traditional credit history. The company aims to address the financial inclusivity gap for over 200 million people in Europe who are underserved by conventional credit systems. Finclude’s services include innovative creditworthiness assessment using machine learning models, regulatory compliance as a licensed Account Information Service Provider under PSD2, comprehensive consumer insights, and digital onboarding acceleration through its API suite. Its last investment of €5.00K Grant was received on 31 May 2023 from REACH. The company's dedication to revolutionizing credit assessments and contributing to a more inclusive financial ecosystem in Europe makes it an intriguing prospect for venture capitalists looking to invest in the evolving Fintech landscape.