What Kreditz does

Kreditz AB is a Swedish B2B FinTech, founded in 2018 and headquartered in Danderyd (Stockholm), that turns real-time Open Banking / PSD2 bank transaction data into AI-driven credit and risk intelligence for financial institutions, lenders, iGaming operators, real-estate providers and PFM platforms. Its product is organized as a platform-plus-modules stack: the Advanced Categorization Engine (ACE) and the Alta decision engine sit at the core, surrounded by Financial Indicators (Income Verification, Spending, Assets, Debt, Cash Flows), Credit Risk Insight (Customized Policy Rules, Advanced Credit Scoring, Affordability Assessment, Fraud Detection), Non-Financial Risk Insight (AML, KYC Enhancement, Social Engineering Detection), CVM Analytics (Segmentation, Activity Scoring, Churn, Upselling/Cross-Selling), Account Verification, and Advisory Services. Data is ingested from PSD2 bank APIs, the Swedish Tax Agency (Skatteverket) and accounting/bookkeeping systems via a v4 REST/gRPC API and the Kreditz Vista web portal, with infrastructure on AWS (ECS, Fargate, Lambda, Glue, Redshift, S3, KMS). Kreditz holds an AISP authorization (Finansinspektionen ID 59300) and, via its subsidiary Kreditz Data Sweden AB, a Swedish Credit Bureau license granted in April 2026.

Kreditz monetizes through a hybrid model: enterprise subscription licenses for the Kreditz Vista platform and APIs, a usage-based component billed per data pull (marketed as a ~75% reduction in credit-information costs), and a smaller professional-services / advisory stream delivered by an in-house risk and consulting team. GTM is enterprise B2B — direct field sales, Country Managers across the Nordics and continental Europe, and a 'Book a demo' funnel — combined with an API-first integration channel and white-label / embedded iFrame options, particularly in iGaming. Pricing is quote-based and not publicly disclosed.

The customer base spans consumer and SME lenders (Collector Bank, Saldo Bank, Svea Bank, SBAB, Ikano Bank, Landshypotek Bank, Stabelo, Qred, KINTO), iGaming operators (Kindred, Holland Casino), real estate / rental (Skanska Rental) and PFM platforms, supported by named outcomes such as 45% higher approval rates, 50% lower defaults, 80% faster decisions and 86% Source-of-Funds conversion in iGaming. The company is privately held with ~33 employees and reported FY2024 turnover of 49 MSEK (Swedish Krona); it raised €10M in May 2023 from Creades and Ingka Investments at a €40M post-money valuation, and most recently (June 2026) transitioned leadership as founder Roni Zacharion stepped down as CEO while remaining a significant shareholder and Board member.

Name

Kreditz

Legal name

Kreditz AB

Website

https://kreditz.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Kreditz is a Swedish FinTech that uses AI-driven Open Banking/PSD2 transaction categorization to deliver real-time credit scoring, affordability, AML and fraud intelligence to Nordic and European banks, lenders, iGaming operators and PFM platforms.

Ownership category

akta.pro rank

Product category

Credit Risk Intelligence

NAICS

Sales Financing (522220), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Other Activities Related to Credit Intermediation (522390), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Short-Term Business Credit Institutions (6153), Loan Brokers (6163), Miscellaneous Business Credit Institution (6159), Finance Services (6199)

akta.pro primary industry

Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC)

akta.pro secondary industries

Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG), SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

Keywords

• Open banking analytics
• Credit risk scoring
• Transaction categorization
• Affordability assessment
• PSD2 data platform

Headquarters

HQ city

Danderyd

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations

Revenue model

1. B2B SaaS subscriptions (API & web portal): Recurring revenue from licensing the Kreditz platform (Kreditz Vista web tool + APIs) to financial institutions, lenders, iGaming operators, real estate providers and PFM platforms. Customers pay for categorized transaction data, scoring, monitoring, and policy rules.
2. Pay-per-call / data consumption pricing: Usage-based component where clients 'drop unfit applicants early and pay only for the data you need' (–75% credit-information bill), indicating per-transaction or per-data-pull pricing on top of subscription.
3. Advisory & consulting services: Revenue from Credit Risk, Non-Financial Risk and CVM Analytics consulting engagements delivered by an in-house team of internationally seasoned risk and consulting professionals.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels10 records

Core offering

Kreditz sells a B2B SaaS platform that ingests real-time Open Banking / PSD2 bank transaction data (and Swedish Tax Agency and accounting/bookkeeping data) and converts it via its proprietary AI/ML Advanced Categorization Engine (ACE) into categorized financial indicators, credit scores, affordability assessments, fraud/AML signals and CVM insights. The platform is delivered through the Kreditz Vista web portal and a REST/gRPC API (v4) to financial institutions, lenders, iGaming operators, real-estate providers and PFM platforms.

Product overview

Kreditz is a platform-plus-modules offering of real-time credit- and risk-intelligence solutions, powered by Open Banking/PSD2 data, the Swedish Tax Agency, and accounting/bookkeeping integrations, with an AI-driven Advanced Categorization Engine (ACE) at its core. Its portfolio is organized around seven solution categories — Financial Indicators (Income Verification, Spending, Assets, Debt, Cash Flows), Credit Risk Insight (Customized Policy Rules, Advanced Credit Scoring, Affordability Assessment, Fraud Detection), Non-Financial Risk Insight (AML, KYC Enhancement, Social Engineering Detection), CVM Analytics (Segmentation, Activity Scoring, Churn, Upselling/Cross-Selling), the Advanced Categorization Engine (ACE), Account Verification, and Advisory Services — together with the Kreditz Alta decisioning product and the Kreditz Vista web portal / v4 API. These modules are delivered to partners in industries including consumer lending, corporate lending, car finance, iGaming, real estate, and Personal Finance Management (PFM), and are operated by Kreditz AB as a licensed Account Information Service Provider (AISP) under Sweden's Finansinspektionen, with a newly granted credit-bureau license via Kreditz Data Sweden AB.

Differentiator

Problem solved

Functional benefit

Brands

• Kreditz ACE: Advanced Categorization Engine - Kreditz's proprietary AI-powered transaction categorization technology that delivers 95-98% categorization accuracy across multiple markets.
• Kreditz ALTA
• Kreditz Vista

Products and services

• Financial Indicators Real-time Open Banking-based financial indicators covering Income Verification, Spending, Assets, Debt and Cash Flows, providing lenders, lenders and PFM providers with precise liquidity and cash flow forecasting.
• Credit Risk Insight Decisioning suite for lenders covering Customized Policy Rules, Advanced Credit Scoring, real-time Affordability Assessment and Application Fraud Detection using Open Banking / PSD2 data and tailored scoring models.
• Non-Financial Risk Insight Non-financial risk and compliance suite including Anti-Money Laundering (AML), KYC Enhancement and Social Engineering Detection through automated behavioral and transactional insights and deviation detection.
• CVM Analytics Customer Value Management analytics suite covering Segmentation, Activity Scoring, Churn Prevention and Upselling / Cross-Selling, with share-of-wallet estimation and actionable customer profiles derived from transactional patterns.
• Advanced Categorization Engine (ACE) AI/ML-powered engine that interprets and categorizes bank transactions in real time with 95-98% accuracy across multiple markets, combining years of credit- and risk-domain expertise with continuously trained models on 10B+ transactions.
• Account Verification Paper-free, fully digital bank account verification solution that accelerates customer onboarding, streamlines KYC compliance and enhances operational efficiency.
• Advisory Services Consulting services delivered by an in-house team of internationally seasoned risk and consulting professionals across credit, non-financial risk and CVM analytics, helping clients define risk appetite and reach business risk goals.
• Kreditz Alta Advanced decisioning engine for enhanced default-rate management, including next-generation credit scoring, customizable credit policy rules and affordability modules that give lenders deeper risk insight and better decision foundations.
• Kreditz Vista Web-based portal through which partners access the Kreditz platform, including the v4 REST/gRPC API and a sandbox environment, with reference customers integrated within a week of setup.
• Anti-Money Laundering (AML) AML intelligence solution providing transaction monitoring, source-of-funds verification and detection of suspicious activity, supporting compliance use cases in iGaming and financial services.
• Swedish Credit Bureau Service (via Kreditz Data Sweden AB) Licensed Credit Bureau services in Sweden delivered through Kreditz Data Sweden AB, regulated by Finansinspektionen, extending the Kreditz platform into licensed credit-bureau data services.

Quantifiable outcome

• +45% approval rates in B2C lending (6 years of client data)
• +8 more outcomes

Named customers12 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability7 records

Feature7 records

Partnerships

Ten partnerships are on record, tiered core platform partner, supporting partner, flagship infrastructure partner and strategic customer / gtm reference.

• HubSpotcore platform partnerTechnology or IntegrationHubSpot is used as the website CMS/CRM/marketing platform for kreditz.com (the homepage is served from hubspotusercontent-eu1.net). HubSpot sets multiple statistics (e.g., __hstc, hubspotutk) and marketing cookies (e.g., __ptq.gif, __hmpl, HUBLYTICS_EVENTS_53) on the site.
• Cloudflarecore platform partnerTechnology or IntegrationCloudflare provides load balancing, content delivery and DNS services for kreditz.com (cookies _cfuvid, __cf_bm). It is also referenced in the responsible-disclosure policy as an integrated third-party provider.
• Hotjarsupporting partnerTechnology or IntegrationHotjar provides website analytics and session statistics on kreditz.com (cookies _hjSession_#, _hjSessionUser_#, hjViewportId), used to understand visitor behavior and optimize the site.
• Cookiebotsupporting partnerTechnology or IntegrationCookiebot powers the cookie-consent banner on kreditz.com (CookieConsent cookie), enabling GDPR-compliant consent management.
• Google (reCAPTCHA, Google Tag Manager)supporting partnerTechnology or IntegrationGoogle reCAPTCHA protects forms on kreditz.com from automated abuse (cookies _GRECAPTCHA, rc::a/b/c/f); Google Tag Manager is used to manage and deploy website tags.
• Amazon Web Services (AWS)flagship infrastructure partnerTechnology or IntegrationAWS is Kreditz's primary cloud provider. Kreditz uses AWS KMS for encryption at rest (AES-256), and job postings reference ECS, Fargate, Service Connect, Lambda, Glue, Redshift, Athena, S3 and CloudWatch for backend, data and DevOps workloads.
• Teamtailorsupporting partnerTechnology or IntegrationTeamtailor powers Kreditz's careers site (careers.kreditz.com), including job listings, candidate Connect portal, application tracking and recruitment-related cookies (_tt_session, _ttCookiePermissions, _ttAnalytics).
• JumpCloudsupporting partnerTechnology or IntegrationJumpCloud is used as the SSO identity provider for Kreditz's Teamtailor recruitment system (SAML SSO at console.eu.jumpcloud.com), enabling single sign-on for employees and candidates.
• Stabelostrategic customer / gtm referenceGTM or Marketing PartnerStabelo uses Kreditz for Income Verification and Advanced Credit Scoring for mortgage applicants in Sweden — including household data aggregation for joint applications and real-time affordability. Featured as a reference client and as part of Kreditz's 'Other Use Cases' on the client-cases page.
• Holland Casinostrategic customer / gtm referenceGTM or Marketing PartnerHolland Casino selected Kreditz for Responsible Gambling, Source of Income and Affordability Assessment to meet regulatory requirements — a flagship iGaming reference customer.

Scale indicators13 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Experian: Experian is a global credit bureau and analytics incumbent; its open-data and Open Banking products overlap with Kreditz's affordability and credit scoring offerings in the same bank and lender client base.
• Arvato Financial Solutions: Arvato Financial Solutions is a Bertelsmann-owned risk management and credit services provider in Europe, offering credit scoring, fraud and collections services that overlap with Kreditz's credit and non-financial risk modules.
• Plaid: Plaid is a leading global open-banking data network expanding into credit and risk analytics; it competes with Kreditz for lender and fintech integrations, but with a much broader consumer-finance footprint beyond Europe.
• Creditsafe: Creditsafe is a global business credit reporting and decisioning provider offering SME and corporate credit data — comparable to Kreditz's Corporate Lending and Financial Indicators modules.
• CRIF: CRIF is a major European credit bureau and risk analytics provider with overlapping offerings in credit scoring, affordability and Open Banking services, positioning it as a larger incumbent competitor to Kreditz.

Direct peers

• Tink: Tink (owned by Visa) is a European Open Banking platform offering transaction data, categorization, credit risk insights and affordability APIs — directly overlapping with Kreditz's core offering for banks, lenders and fintechs.
• Salt Edge: Salt Edge is an Open Banking API platform offering account aggregation, transaction categorization and enrichment, used by lenders and fintechs in Europe — directly comparable to Kreditz's data and categorization layer.
• TrueLayer: TrueLayer is a European Open Banking API provider offering bank-data connectivity, categorization and financial insights to lenders and fintechs — a direct competitor to Kreditz in PSD2-based credit and risk use cases.
• Provenir: Provenir provides an AI-powered risk decisioning platform for credit, fraud and AML, overlapping with Kreditz's Credit Risk Insight and Non-Financial Risk Insight modules across financial services.

Emerging players

• Canopy: Canopy is an emerging Open Banking data and analytics provider focused on SME and consumer credit risk, with comparable use cases to Kreditz's lending and affordability products but smaller scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries1 record

Funding overview

Funding rounds4 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kreditz