ITSCREDIT

Name

ITSCREDIT

Legal name

ITSCRED – INFORMATION TECHNOLOGY, S.A.

Website

https://itscredit.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Credit Lifecycle Management Software

NAICS

Software Publishers (5132), Activities Related to Credit Intermediation (5223)

SIC

Services-Prepackaged Software (7372), Services-Computer Programming Services (7371)

akta.pro primary industry

Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)

akta.pro secondary industries

Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD), Pricing, Risk-Based Offer & Limit Management (FSAGAHAE), Collections, Recovery & Debt Management Platforms (FSAGAHAI)

Keywords

• AI lending platform
• Credit lifecycle management
• Loan origination software
• Credit scoring engine
• Collections management

Headquarters

HQ city

Porto

HQ country

Portugal

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Platform Subscription: ITSCREDIT operates as a cloud-based software platform providing financial institutions access to its end-to-end credit lifecycle management modules on a subscription basis. The platform is delivered as Infrastructure-as-a-Service (IaaS), with modules covering origination, scoring, monitoring, and collections. Professional services for implementation, configuration, and training supplement the recurring subscription revenue.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels5 records

Core offering

ITSCREDIT sells a cloud-based, omnichannel AI lending platform that handles the entire credit lifecycle end-to-end for financial institutions. Its modular software covers loan origination, AI-driven credit scoring and decisioning, portfolio monitoring with an Early Warning System, and collections automation. The platform is delivered as Infrastructure-as-a-Service (IaaS) with no-code configuration and API-based integration into core banking, credit bureaus, and external systems.

Product overview

ITSCREDIT is a cloud-based, omnichannel AI lending platform that handles the entire credit lifecycle in one place. The platform is offered as a modular system with the following named modules/products: Calculators (interactive loan simulators for any digital channel), Credit Workflow (AI-powered task automation for loan origination), Scoring & Credit Decision (AI-based scoring models with model validation), Credit Monitoring & Risk Analysis (with sub-modules EWS, Loan Portfolio Monitoring, and Portfolio Profitability), and Collections (workflow automation and recovery management). Additional offerings include Infrastructure as a Service for deployment and Integration capabilities via APIs. The platform targets banks, credit unions, fintechs, brokers, and other financial institutions across retail and business credit segments.

Differentiator

Problem solved

Functional benefit

Products and services

• Calculators Interactive loan simulation tools available across all digital channels (website, mobile app, branch front office) enabling customers to calculate eligibility, simulate costs, and revisit previous simulations without logging in. Designed for financial institutions that want to start digital customer journeys and feed qualified leads into loan origination.
• Credit Workflow AI- and machine learning-powered task automation for loan origination workflows, with centralized records synced across financial databases and configurable task management for any credit workflow. Replaces fragmented manual processes with end-to-end automation.
• Scoring & Credit Decision

Quantifiable outcome

• Up to 70% reduction in loan processing time (applications that took days now complete in minutes)
• +4 more outcomes

Named customers7 records

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability7 records

Feature9 records

Partnerships

Nine partnerships are on record, tiered core, key client and supporting.

• MicrosoftcoreTechnology or IntegrationITSCREDIT's omnichannel lending platform is built on Microsoft technology. The platform leverages Microsoft infrastructure (cloud services) as its foundational technology layer, enabling scalability, reliability, and integration capabilities for the end-to-end credit management system.
• Credito Agricolakey clientTechnology or IntegrationCredito Agricola deployed ITSCREDIT's digital lending platform across its digital channels as part of its digital transformation strategy, targeting digital-first customers who prefer fast, innovative banking experiences over traditional branch-based interactions.
• BLIK (Polish Payment Standard)key clientTechnology or IntegrationITSCREDIT provides software that supports BLIK's BNPL (Buy Now, Pay Later) functionality, one of BLIK's key strategic decisions. The partnership enables BLIK to offer installment-based payment options within the Polish payment ecosystem.
• Stanbic Bank Kenyakey clientTechnology or IntegrationStanbic Bank Kenya uses ITSCREDIT's Flowcredit system for end-to-end personal and retail credit management. The bank reports the system is highly user-friendly, flexible, and integrates well with other systems to deliver a desirable end-to-end product.
• Absakey clientTechnology or IntegrationAbsa adopted ITSCREDIT's platform for managing credit processes in the retail segment. The platform combines different channels, currencies, products, and segments with an automatic decision scoring model, resulting in significant reduction in turnaround time and increase in loan volume.
• Banco BAI (Banco Angolano de Investimentos)key clientTechnology or IntegrationBanco BAI, Angola's premier private bank, deployed ITSCREDIT's cloud-based omnichannel digital lending platform as BAI Direto for 100% digital personal loan origination. The end-to-end IaaS solution automates the credit lifecycle from simulation to instant disbursement, integrating with core banking, scoring, and product systems.
• Banco Montepiokey clientTechnology or IntegrationITSCREDIT and Banco Montepio launched a digital mortgage journey platform enabling clients to simulate, pre-approve, and receive customized mortgage rate quotes entirely online. The platform streamlines the mortgage application process, allowing clients to select credit purpose, simulate with their own values, and get pre-approved via AI-driven scoring.
• Millennium bcpkey clientTechnology or IntegrationMillennium bcp is listed among ITSCREDIT's trusted clients, appearing in the client logo section on the homepage. Specific use case or project details are not detailed in available source material.
• COMPETE 2030 / PT2030supportingOthersITSCREDIT participates in Portugal's COMPETE 2030 and PT2030 programs, which support innovation and business development in Portuguese companies. References to these programs appear in the website footer, indicating potential co-funded R&D or innovation projects.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Blend: Blend provides a consumer banking and lending platform used by major US banks and lenders for mortgage, consumer, and SMB credit. Its omnichannel approach and bank-channel focus make it a direct comparator for ITSCREDIT's consumer/mortgage use cases.
• Provenir: Provenir provides a no-code AI risk decisioning and credit data orchestration platform for financial services. It is highly comparable to ITSCREDIT's AI scoring, decisioning, and model validation modules targeting banks and fintechs.
• Mambu: Mambu offers a cloud-native core banking and lending platform serving banks, fintechs, and lenders worldwide. Its composable architecture and SaaS delivery directly overlap with ITSCREDIT's value proposition to fintechs and digital-first banks.
• nCino: nCino provides a cloud-based bank operating system with strong loan origination and credit workflow modules sold to financial institutions globally. It is the most direct head-to-head competitor to ITSCREDIT's end-to-end credit lifecycle platform in the bank channel.
• TurnKey Lender: TurnKey Lender delivers an end-to-end intelligent lending automation platform covering origination, decisioning, servicing, and collections for banks, credit unions, and fintechs. It mirrors ITSCREDIT's lifecycle coverage and SMB-to-mid-market positioning.
• defi SOLUTIONS: defi SOLUTIONS provides an end-to-end loan origination and servicing platform for lenders, banks, and credit unions. Its lifecycle coverage and SaaS delivery model are highly aligned with ITSCREDIT's platform.
• Newgen Software: Newgen offers a digital lending and content services platform widely deployed at banks and credit unions globally, with strong loan origination and account opening capabilities. It is a comparable enterprise lending workflow vendor.

Emerging players

• Zest AI: Zest AI is an AI credit underwriting platform that brings more accurate and inclusive ML-based scoring to lenders. It is a focused emerging competitor in the AI credit scoring and decisioning layer that ITSCREDIT emphasizes.

Broad incumbents

• FICO: FICO is the dominant credit scoring and decisioning incumbent whose scores, decisioning software, and analytics are embedded across the global banking industry. ITSCREDIT competes for AI-driven scoring and portfolio risk budget at the same institutional buyers.
• Temenos: Temenos is a major global core banking and lending platform vendor serving thousands of banks, including emerging-market institutions. It overlaps with ITSCREDIT at the origination, scoring, and lifecycle automation layers as a broader suite incumbent.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/itscredit_sa
• YouTubeyoutube.com/channel/UCg1RKMtu_jT9F0t6jM2i48g
• Facebookfacebook.com/ITSCREDIT.official
• LinkedInlinkedin.com/company/itscredit
• Instagraminstagram.com/itscredit_sa

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 ITSCREDIT