Findo
Findo is an Argentine fintech that provides machine-learning-based alternative credit scoring using 10,000+ mobile data points, selling API, SDK, and white-label credit app solutions to banks, fintechs, and card issuers serving thin-file and unbanked populations.
- Company typePrivate
- Founded2016
- HeadquartersBuenos Aires, Argentina
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Findo does
Findo is an Argentine fintech founded in 2016 and headquartered in Buenos Aires that builds alternative credit scoring technology for underbanked and unbanked individuals in Latin America. Its scoring engine uses proprietary machine learning models trained on more than 10,000 real-time data points harvested from an applicant's mobile device — including social capital signals, inferred income, residential zone, and mobile usage patterns — to produce a credit risk and payment capacity score for people with little or no traditional bureau history. The company sells to financial institutions (banks, fintechs, credit card issuers) through three product tiers: Score Express for real-time API or offline batch integration, Score Mobile API embedded via SDK inside a client's existing app, and Score Mobile + Credit App as a fully white-label mobile origination channel.
Revenue mechanics are dominated by subscription-style fees on API and SDK integrations (Score Express, Score Mobile API) plus project-based professional services revenue from white-label credit app development (Score Mobile + Credit App); pricing is not publicly disclosed and is negotiated through a direct sales motion at [email protected]. Distribution is hybrid API-first plus enterprise field sales, with named deployments including Naranja X (149,000+ profiles analyzed, approximately 30,000 newly included in the financial system), Facebank, and partnerships with BID (Inter-American Development Bank), CAF (CAF Financial Inclusion Laboratory 2023 winner), and Cámara Fintech Argentina. Findo does not disclose revenue, funding totals, headcount, or pricing; cumulative reach is reported at 200,000+ individuals included in the financial system and a 78% average origination uplift at constant default rates across success cases.
Findo firmographics
Firmographics- Name
- Findo
- Legal name
- Findo
- Website
- https://findo.com.ar
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Findo is an Argentine fintech that provides machine-learning-based alternative credit scoring using 10,000+ mobile data points, selling API, SDK, and white-label credit app solutions to banks, fintechs, and card issuers serving thin-file and unbanked populations.
- Ownership category
- akta.pro rank
Findo industry classification
Industry- Product category
- Alternative Credit Scoring Software
- NAICS
- Credit Bureaus (561450), Activities Related to Credit Intermediation (5223), Credit Bureaus (56145)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)
- akta.pro secondary industries
- Alternative / Non-Traditional Credit Data Providers (FSAKAKAB), Credit Decisioning Engines (Rules, Scorecards, ML) (FSAGAHAB), Credit Scoring Models & Score Providers (FSAKAKAC), Credit & Underwriting Data Services (alt data feeds, affordability, bureau augmentation) (FSAGACAH)
Keywords
Where Findo is headquartered
LocationHeadquarters
- HQ city
- Buenos Aires
- HQ country
- Argentina
- HQ region
- Latin America
Offices1 record
Markets served
Findo business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- API-based Credit Scoring Services: Provides alternative credit scoring via real-time API and offline batch processing. Financial institutions integrate Findo's scoring into their credit decisioning systems to evaluate borrowers with limited traditional credit history.
- SDK Embedding: Embeds scoring capabilities directly into financial institutions' mobile applications via SDK integration, providing seamless credit assessment within existing customer touchpoints.
- White-label Credit App Development: Develops custom white-label credit applications for financial institutions, creating new origination channels for their customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Other | Score Express - API and offline batch scoring for entities with existing systems |
| Other | Other | Score Mobile API - Embedded SDK integration within entity's app |
| Other | Other | Score Mobile + Credit App - White-label app development |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels3 records
Findo product offering
Product offeringCore offering
Findo provides alternative credit scoring solutions to financial institutions, using machine learning models trained on 10,000+ real-time mobile device data points (social capital, inferred income, residential zone, mobile usage patterns) to predict credit risk and payment capacity of individuals with little or no traditional credit history. Its offerings are delivered via real-time API, offline batch processing, embedded SDKs, and white-label mobile credit applications, enabling banks, fintechs, and credit card issuers to expand credit access to underbanked and unbanked populations.
Product overview
Findo offers a suite of alternative credit scoring solutions designed to serve underbanked and unbanked populations in Latin America. The product portfolio consists of three interconnected solutions: Score Express (available via Real time API and Offline Batch for simple integration), Score Mobile API (embedded scoring with device information in the entity's app), and Score Mobile + Credit app (white-label mobile credit application). All solutions leverage alternative data sources and Machine Learning to predict credit risk and payment capacity, enabling financial inclusion for individuals without traditional credit history.
Differentiator
Problem solved
Functional benefit
Products and services
- Score Express
Quantifiable outcome
- 78% average increase in origination with the same default level
- +2 more outcomes
Companies that use Findo
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles2 records
Findo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature4 records
Findo partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Naranja XcoreNaranja X uses Findo's alternative scoring to include people in the Argentine financial system. Analyzed over 149,000 profiles and incorporated nearly 30,000 people. Represents a key case study for Findo's technology effectiveness.
- Cámara Fintech ArgentinaminorFindo is listed as a member/partner of the Argentine Fintech Chamber, indicating participation in the local fintech ecosystem and industry collaboration.
- FacebankminorPartner financial institution using Findo's alternative scoring solutions to serve their customers.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Findo competitors and assessment
Company assessmentDirect peers
- Zest AI: Zest AI builds machine-learning credit underwriting models for lenders, helping financial institutions assess thin- and no-file borrowers — directly comparable to Findo's ML alternative scoring on alternative/mobile data.
- Provenir: Provenir offers a credit decisioning platform combining AI/ML scoring, data orchestration, and decision workflows — analogous to Findo's combination of ML models and API/SDK delivery for lender risk decisions.
- credolab (formerly Lenddo): credolab uses mobile-device behavioral and metadata signals to score thin-file consumers in emerging markets — the closest direct comparable to Findo's 10,000+ mobile data point alternative scoring approach.
Broad incumbents
- Equifax: Equifax is a global credit bureau now layering alternative data and analytics into its traditional scoring products, competing with Findo for the same lender customers from a much broader data and product portfolio.
- Experian: Experian is a global credit bureau with growing alternative-data and analytics capabilities, overlapping with Findo on lender-facing credit decisioning services across multiple geographies.
- Plaid: Plaid provides open-banking data connectivity (bank account, transaction data) used to underwrite thin-file consumers — an adjacent data source comparable to Findo's alternative-data scoring inputs at greater scale.
- Upstart: Upstart applies ML and alternative data to consumer credit underwriting via partner banks, broadly comparable to Findo's ML alternative-credit scoring but operating primarily in the U.S. as both originator and scoring provider.
Regional players
- Konfío: Konfío is a Mexican fintech that uses alternative data and ML to underwrite SME and consumer credit, competing with Findo's value proposition in Latin America but primarily focused on Mexico rather than Argentina.
- Creditas: Creditas is a Brazilian consumer fintech that uses alternative data and asset-based underwriting for credit decisions — a LatAm peer with overlapping alternative-data decisioning themes.
Others
- Mambu: Mambu is a cloud core banking platform used by lenders that integrate alternative scoring vendors like Findo — an ecosystem participant rather than direct competitor, but sharing the same lender customers.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Findo social profiles
Digital presenceFindo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Findo leadership team
Management profileNumber of profiles
Profiles3 records
Findo funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Findo 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 Findo
What does Findo do?
Findo provides alternative credit scoring solutions to financial institutions, using machine learning models trained on 10,000+ real-time mobile device data points (social capital, inferred income, residential zone, mobile usage patterns) to predict credit risk and payment capacity of individuals with little or no traditional credit history. Its offerings are delivered via real-time API, offline batch processing, embedded SDKs, and white-label mobile credit applications, enabling banks, fintechs, and credit card issuers to expand credit access to underbanked and unbanked populations.
Is Findo a public or private company?
Findo is a private company. It is classified as venture growth investor backed and is currently operating.
When was Findo founded?
Findo was founded in 2016. It employs 11 to 50 people.
Where is Findo based?
Findo is headquartered in Buenos Aires, Argentina, in the Latin America region.
How does Findo make money?
Three revenue lines are on record. API-based Credit Scoring Services are the primary driver. The others are SDK Embedding and white-label Credit App Development.
Who are Findo's main competitors?
Direct peers on record are Zest AI, Provenir and credolab (formerly Lenddo). Broad incumbents are Equifax, Experian, Plaid and Upstart. Regional players are Konfío and Creditas. Mambu is listed as an others.
Does Findo have an API?
Yes. Score Express is available via Real time API and Offline Batch (consulta masiva). Score Mobile API is embedded via API or SDK within the entity's app. These APIs provide alternative credit scoring by processing alternative data sources including social capital, inferred income, and mobile phone usage patterns to predict credit risk and payment capacity for individuals with or without traditional credit history.
What industry is Findo in?
Findo's product category is Alternative Credit Scoring Software. Its primary akta.pro industry code is FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking), with a secondary code of FSAKAKAB, Alternative / Non-Traditional Credit Data Providers. Its NAICS code is 561450 and its SIC code is 7320.