MANU

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.

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

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

• Behavioral analytics platform
• User selection AI
• Loan prescreening software
• Fraud detection platform
• Credit risk scoring

Headquarters

HQ city

Vilnius

HQ country

Lithuania

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. 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

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core 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

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature5 records

Scale indicators5 records

Recent moves2 records

Expansion highlights5 records

Direct 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

• LinkedInlinkedin.com/company/manu

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds3 records

Investors2 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 MANU