Banky.se

Name

Banky.se

Legal name

Banky AB

Website

https://banky.se

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141), Services-Consumer Credit Reporting, Collection Agencies (7320), Finance Services (6199)

akta.pro primary industry

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

akta.pro secondary industries

Underwriting Automation & Income/Employment Verification (FSAGAHAD), Credit Score Monitoring & Credit Building (FSAGADAE), Pricing, Risk-Based Offer & Limit Management (FSAGAHAE), Income, Employment & Cash-Flow Verification (Consumer) (FSAKAKAE)

Keywords

• Consumer loan refinancing
• Credit assessment services
• Personal insurance products
• Credit monitoring tools
• Alternative credit scoring

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Brokering Commission: Banky acts as a credit broker matching customers with their lending partner Nordiska. The company earns commission from the credit provider for originated loans. This is a referral/transaction-based revenue model.
2. Insurance Products: Banky offers insurance products including unemployment insurance, security insurance, and accident insurance, generating premium revenue from these coverage plans.
3. Credit Monitoring Services: Kreditkoll.ai credit monitoring and surveillance services for individuals seeking to track and improve their credit profile.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Banky operates a Swedish fintech platform that arranges consumer loans and refinancing up to 200,000 SEK on behalf of its exclusive credit provider Nordiska, using AI-based, alternative-data credit assessment combined with human review. The company also distributes personal insurance products (unemployment, reassurance, and forthcoming accident insurance) and a credit improvement / monitoring service centered on Kreditkoll.ai, which includes fraud protection and real-time credit report surveillance.

Product overview

Banky.se is a Swedish fintech company founded in 2021, operating as a credit intermediary (not a bank or direct lender) under regulatory supervision by FI and KoV. Its product portfolio is organized around three pillars — Låna (Lend), Försäkra (Insure), and Förbättra (Improve) — offered as an integrated financial services platform. The Lending pillar includes the core loan application service plus specialized sub-products: Omstartslån (Restart Loan) for refinancing, Sänk räntan (Rate Reduction) for rate optimization, Fordonslån (Vehicle Loan) for auto financing, Lån för egenföretagare (Self-Employed Loan), 60+lånet (60+ Loan), Borgensman (Guarantor Loan), and Entreprenörslånet. The Insurance pillar offers Arbetslöshetsförsäkring (Unemployment Insurance), Trygghetsförsäkring (Reassurance Insurance), and a forthcoming Olyckfallsförsäkring (Accident Insurance). The Improvement pillar centers on Kreditkoll.ai for credit monitoring, fraud protection, and income/expense analysis, supported by an overall Förbättringsprogram (Improvement Program). All loans are originated by partner Bankaktiebolaget Nordiska, while Banky provides the assessment, application, and servicing layer.

Differentiator

Problem solved

Functional benefit

Products and services

• Banky Lending (Låna) Banky's consumer lending service offering loans up to 200,000 SEK to Swedish residents, including refinancing of existing loans, vehicle loans, loans for the self-employed, 60+ loans, and guarantor (borgensman) loans. Loans are originated through Banky's exclusive credit provider partner Nordiska following Banky's AI-based credit assessment, with a fully digital application via BankID and Scrive e-signing. 85% of volume is used to refinance existing credits.
• Banky Insurance (Försäkra) Banky's personal insurance line offering unemployment insurance (Arbetslöshetsförsäkring) and reassurance insurance (Trygghetsförsäkring) designed to secure customers' recurring costs, with accident insurance (Olyckfallsförsäkring) announced as forthcoming. Positioned as one of the most affordable options on the Swedish market.
• Banky Improvement Program (Förbättringsprogram) Financial improvement program that helps customers strengthen their credit profile and overall financial health, including income and expense analysis (Inkomst- och utgiftsanalys) and ongoing support alongside Banky's lending and insurance products.
• Kreditkoll.ai Credit monitoring and personal-finance tool providing customers with an overview of their finances and credit profile, tracking development over time, and bundling fraud-block (bedrägerispärr) and real-time credit report surveillance.

Quantifiable outcome

• 99.4% flawless payment rate among customers
• +2 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability4 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Bankaktiebolaget NordiskacoreChannel Partner/ Reseller/ DistributorNordiska is Banky's exclusive credit provider. Unlike other credit brokers that work with multiple lenders, Banky partners solely with Nordiska. Nordiska performs the actual credit assessment and disburses loans, while Banky facilitates the application process and provides customer support.
• BankIDcoreTechnology or IntegrationBankID is integrated into Banky's application process for secure digital identity verification. Customers use their BankID to legitimize themselves and connect their bank account during the loan application.
• SwishcoreTechnology or IntegrationSwish payment integration enables fast and secure payment transactions for loan disbursements and other financial services.
• ScrivecoreTechnology or IntegrationScrive provides e-signature functionality for digital contract signing, enabling fully digital loan agreements without physical paperwork.
• LendominorGTM or Marketing PartnerLendo is a loan comparison platform that refers potential customers to Banky for loan products and refinancing services.
• ZmartaminorGTM or Marketing PartnerZmarta is a financial comparison service that sends qualified leads to Banky for loan and refinancing products.
• Dun & BradstreetcoreTechnology or IntegrationBanky uses Dun & Bradstreet for credit reporting instead of UC (Upplysningscentralen), providing an alternative credit assessment approach that considers broader data points.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Others

• Bankaktiebolaget Nordiska: Banky's exclusive credit provider that actually originates, prices, and disburses the loans. Included as a peer because it is structurally inseparable from Banky's lending business and could plausibly acquire or replace Banky.

Broad incumbents

• Northmill Bank: Swedish challenger bank offering consumer loans, savings, and accounts with a modern digital UX. Competes for the same digitally native Swedish consumers but operates as a full-stack bank with deposits, providing broader capabilities than Banky's broker model.
• Klarna: Swedish-founded global fintech offering consumer credit, BNPL, and banking products. Operates at vastly larger scale and broader product set, but competes with Banky for Swedish consumer credit demand and shares a digitally-led, individualized-underwriting ethos.
• Svea Bank: Swedish fintech and credit institution providing consumer and SMB lending, payments, and credit-management services. Competitor in Swedish consumer credit with broader product set and longer operating history than Banky.
• Resurs Bank: Swedish challenger bank specializing in consumer credit, retail financing, and payments. Competes in the same Swedish consumer-lending market with a wider product portfolio and established distribution through retail partners.

Direct peers

• Lendo: Swedish loan comparison and broker platform operated by Nordic region's largest bank group. Operates the same customer funnel (apply, compare, get offer) and also serves as a Banky referral partner, making it simultaneously a competitor and channel for similar Swedish borrowers.
• Sambla: Swedish loan comparison and refinancing platform that helps consumers consolidate and lower the cost of existing credits. Direct competitor to Banky's core refinancing value proposition, targeting overlapping Swedish non-prime and refinancing customer segments.
• Compricer: Swedish price-comparison platform covering loans, insurance, and banking products. Targets an overlapping consumer base to Banky and competes in the same SEO-driven top-of-funnel discovery channel for loan refinancing.
• Zmarta: Swedish financial comparison service that aggregates loan, insurance, and electricity offers from multiple providers. Competes directly with Banky for the same refinancing-conscious Swedish consumer and is also a Banky referral partner.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/banky-ab

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 Banky.se