MANU
- Company typePrivate
- Founded2019
- HeadquartersVilnius, Lithuania
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What MANU does
MANU Analytics is a behavioral analytics company that operates an AI-powered platform translating online form interactions, browsing behavior, and high-granularity session telemetry into user quality profiles for risk assessment and user selection. The platform is delivered as a SaaS service requiring a one-line front-end integration with an API for back-end use, and bundles five integrated capabilities: loan application prescreening, value and intent-based profiling, an alternative data point for risk enrichment, suspicious behavior detection, and form interaction analytics. Disclosed model performance is ROC-AUC of 0.92+ for identifying unqualified borrowers, with prediction models trained on specific loan performance indicators such as late payments at 5 and 30 days and recovered loans. The company states it has analyzed millions of online credit applications and delivers quantified savings of 30% in third-party data collection costs for clients.
The primary customer base is unsecured consumer lenders, particularly in the LATAM region with an explicit focus on Mexico, supplemented by fintech companies requiring AI-powered user profiling. Pricing is quote-based under multi-year enterprise subscription contracts, and go-to-market is consultative direct enterprise sales supported by a website demo-registration funnel, LinkedIn presence, and thought leadership content via Medium. The company is headquartered in Vilnius, Lithuania (legal entity MANU, UAB 'Sutelktinis finansavimas'), was founded in 2019 from an innovation grant, and has received early-stage venture capital from Startup Wise Guys and Tenity (formerly F10 Zurich). The company is private, venture-backed, and operates with a 1-10 person team. In 2020 it received the 'Fintech Innovator of the Year' recognition from Fintech Lithuania.
Revenue mechanics rest on multi-year subscriptions priced per engagement rather than per-transaction, with pricing not publicly disclosed and no ARR or customer count disclosed in source materials. The business model is therefore opaque on unit economics, but the combination of a vertical-specific AI product, low headcount, and modest disclosed funding (cumulative ~$73K across three known rounds in 2019-2020) indicates an early commercial stage with limited working capital relative to typical SaaS scaling needs.
MANU firmographics
Firmographics- Name
- MANU
- Legal name
- MANU, UAB "Sutelktinis finansavimas"
- Website
- https://manu.lt
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
MANU industry classification
Industry- Product category
- Behavioral Analytics Software
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- UEBA & Behavioral Analytics (HDADAGAC)
- akta.pro secondary industry
- Model Risk Management & AI Governance (validation, monitoring, explainability) (FSAGAFAL)
Keywords
Where MANU is headquartered
LocationHeadquarters
- HQ city
- Vilnius
- HQ country
- Lithuania
- HQ region
- Europe
Offices1 record
Markets served
MANU business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales
Revenue model
- AI-powered User Selection Platform: SaaS platform providing AI-based user profiling and risk assessment services for financial institutions and fintech companies. The platform helps reduce costs associated with third-party data collection such as credit bureau and registry data. Companies pay for access to the platform's profiling capabilities which deliver quantified savings of 30% in data collection costs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Enterprise B2B pricing for financial institutions and fintech companies |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
MANU product offering
Product offeringCore offering
MANU Analytics is an AI-powered behavioral analytics SaaS platform that translates form interactions, browsing behavior, and input patterns into user quality profiles for real-time risk assessment during online onboarding. The platform helps financial institutions and fintech companies pre-screen loan applications, detect fraud and spam, optimize form conversion, and reduce reliance on third-party credit bureau data. It is delivered via a one-line front-end code integration with a back-end API, enabling real-time predictive scoring with ROC-AUC of 0.92+ and up to 30% savings on data collection costs.
Product overview
MANU Analytics is a single unified product that uses AI to translate form interactions and browsing behavior into user profiles for companies. The platform serves unsecured consumer lenders in LATAM (particularly Mexico) and offers five integrated capabilities: Loan Application Prescreening Service (for pre-screening applications), Value & Intent Based Profiling (for conversion optimization), Alternative Data Point (for risk profile enrichment), Suspicious Behavior Detection (for fraud/spam prevention), and Form Interaction Analytics (for UX optimization). These capabilities work together as a comprehensive user selection solution, with the core AI engine processing form inputs to generate predictive scores.
Differentiator
Problem solved
Functional benefit
Products and services
- MANU Analytics AI-powered behavioral analytics platform that translates browsing behavior, form inputs, and interactions into user profiles to help financial institutions and fintech companies optimize user selection, cut data collection costs, and improve risk assessment during online onboarding. Delivered via one-line front-end code with back-end API and combining Loan Application Prescreening, Value & Intent Based Profiling, Alternative Data Point risk profiling, Suspicious Behavior Detection, and Form Interaction Analytics capabilities.
Quantifiable outcome
- 30% savings in data collection costs
- +2 more outcomes
Companies that use MANU
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
MANU technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature5 records
MANU partnerships and signals
Strategic signalScale indicators5 records
Recent moves2 records
Expansion highlights5 records
MANU competitors and assessment
Company assessmentDirect peers
- Feedzai: Feedzai applies ML to fraud and AML risk scoring for financial institutions and fintechs. Comparable to MANU in targeting the same buyer (risk/fraud teams at lenders and fintechs) with ML-driven risk decisioning.
- Featurespace: Featurespace builds adaptive behavioral analytics for fraud and risk in card payments and financial services. Comparable to MANU in using behavior-based ML models to detect anomalies and score risk in real time on transactional data.
- Arkose Labs: Arkose Labs applies behavioral analytics and device telemetry to detect bots, fraud, and abuse during digital onboarding. Comparable to MANU in profiling user-interaction quality during online onboarding flows.
- BioCatch: BioCatch provides behavioral biometrics and behavioral analytics to detect fraud and risk during digital sessions at financial institutions. Most directly comparable to MANU in applying fine-grained user-interaction signals to fraud/risk scoring for lenders and fintechs.
- DataVisor: DataVisor uses ML and behavioral analytics to detect fraud and financial crime at banks and fintechs. Comparable to MANU in producing real-time risk/fraud scores from user interaction and behavioral signals.
Emerging players
- Sift: Sift provides a digital trust and fraud-prevention platform that scores user behavior across the customer journey. Comparable to MANU in providing risk scoring from session-level behavioral signals for fintech and digital businesses.
- Resistant AI: Resistant AI applies ML to document fraud and behavioral analytics for financial services onboarding. Comparable to MANU in its focus on AI-driven risk scoring for digital onboarding workflows.
Broad incumbents
- Experian: Experian is a global credit bureau that now offers alternative-data and behavioral risk products (e.g., Experian Boost). Comparable to MANU as a broad incumbent whose alt-data/behavioral suite overlaps with MANU's value proposition for lenders.
- FICO: FICO is the dominant traditional credit-scoring platform and is expanding into alternative-data and behavioral risk. Comparable to MANU as an established risk-scoring incumbent now competing in the same alt-data underwriting category.
Regional players
- Kueski: Kueski is a Mexican consumer lender that uses alternative and behavioral data for underwriting and collections. Comparable to MANU as a Mexico-based player showing institutional demand for behavioral underwriting — and as a potential partner/customer archetype.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
MANU social profiles
Digital presenceMANU financial estimates
Financial estimateRevenue estimate
Valuation estimate
MANU leadership team
Management profileNumber of profiles
Profiles5 records
MANU funding detail
Funding detailFunding overview
Funding rounds3 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MANU M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about MANU
What does MANU do?
MANU Analytics is an AI-powered behavioral analytics SaaS platform that translates form interactions, browsing behavior, and input patterns into user quality profiles for real-time risk assessment during online onboarding. The platform helps financial institutions and fintech companies pre-screen loan applications, detect fraud and spam, optimize form conversion, and reduce reliance on third-party credit bureau data. It is delivered via a one-line front-end code integration with a back-end API, enabling real-time predictive scoring with ROC-AUC of 0.92+ and up to 30% savings on data collection costs.
Is MANU a public or private company?
MANU is a private company. It is classified as venture growth investor backed and is currently operating.
When was MANU founded?
MANU was founded in 2019. It employs 1 to 10 people.
Where is MANU based?
MANU is headquartered in Vilnius, Lithuania, in the Europe region.
How does MANU make money?
One revenue line is on record: AI-powered User Selection Platform.
Who are MANU's main competitors?
Direct peers on record are Feedzai, Featurespace, Arkose Labs, BioCatch and DataVisor. Emerging players are Sift and Resistant AI. Broad incumbents are Experian and FICO. Kueski is listed as a regional player.
Does MANU have an API?
Yes. MANU offers an API for back-end integration. The implementation requires just a one-line of code for front-end deployment. No additional details provided regarding API type (REST/GraphQL), authentication method, rate limits, versioning, or sandbox availability.
What industry is MANU in?
MANU's product category is Behavioral Analytics Software. Its primary akta.pro industry code is HDADAGAC, UEBA & Behavioral Analytics, with a secondary code of FSAGAFAL, Model Risk Management & AI Governance (validation, monitoring, explainability). Its NAICS code is 51821 and its SIC code is 7370.