CTC Consorzio per la Tutela del Credito

Name

CTC Consorzio per la Tutela del Credito

Legal name

Consorzio per la Tutela del Credito S.c.a r.l.

Website

https://ctconline.it

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Credit Information Services

NAICS

Credit Bureaus (561450), Activities Related to Credit Intermediation (5223)

akta.pro industry

PRIMARYFSAKAKAA

Credit Bureaus & Consumer Credit Reporting Agencies

Financial & Insurance/Lending & Consumer Finance/Credit Reporting, Scoring & Underwriting (Consumer)

Keywords

• Credit bureau services
• Open banking platforms
• Credit information systems
• Account information services
• IBAN verification services

Headquarters

HQ city

Milano

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Infrastructure

Revenue model

1. SIC Services to Member Institutions: CTC provides credit information services to its members (financial intermediaries and banks) that participate in the consortium. Members access the SIC database for credit evaluation, monitoring, and recovery processes.
2. AISP / Account Information Access Services: CTC provides account information access services to participating financial institutions (Aderenti). No direct charge to consumers. The service is provided under a 180-day contract with Strong Customer Authentication via the customer's bank.
3. Check IBAN Service: IBAN validation and verification service offered through the CBI Globe platform, enabling financial institutions to verify IBAN-to-account holder congruence for fraud prevention.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

CTC operates an Italian credit information and open banking infrastructure for member banks and financial intermediaries. Its core offerings are the SIC credit bureau database (positive and negative credit data with credit bureau scoring and portfolio monitoring), the PSD2-compliant AISP service providing bank account aggregation, financial indicators and scoring, and the Check IBAN service for IBAN-to-account-holder validation.

Product overview

CTC Consorzio per la Tutela del Credito operates as a consortium providing two interconnected credit information services: the SIC (Sistema di Informazioni Creditizie) is a credit bureau database collecting positive and negative credit information from participating banks and financial institutions for risk evaluation; and the AISP (Account Information Service Provider) provides Open Banking account aggregation services under PSD2, enabling access to account transaction data, financial indicators, and derived credit scores. The Check IBAN module supplements these offerings by validating IBAN-to-account-holder associations to prevent payment fraud. The SIC and AISP work together to improve credit risk assessment, optimize lending processes, and facilitate access to credit for Italian consumers.

Differentiator

Problem solved

Functional benefit

Products and services

• SIC (Sistema di Informazioni Creditizie) A credit bureau database that collects positive (regular payment behavior) and negative (defaults, late payments) credit information from participating banks and financial institutions. It provides credit bureau scoring, periodic monitoring of all client portfolios, and access to SCIPAFI to support credit risk evaluation, granting, monitoring and recovery processes.
• AISP (Account Information Service Provider) An Open Banking solution providing bank account information services (aggregations, financial indicators, and credit scores) to participating financial institutions under PSD2. It enables member institutions to analyze customer account data for creditworthiness assessment, supported by Strong Customer Authentication via the customer's bank.
• Check IBAN A verification service that confirms the correct association between an IBAN code and its account holder (tax code or VAT number), delivered through the CBI Globe platform to prevent payment fraud and resolve incorrect IBAN use cases.

Named customers25 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature3 records

Partnerships

30 partnerships are on record, tiered core and minor.

• Admiral Financial Services Italia S.p.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - financial services company providing credit solutions to Italian consumers. Located at Via della Bufalotta 374, 00139 Roma.
• AGOS DUCATO S.p.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - major consumer credit company in Italy with offices in Milan and Lucca. CEO/President of CTC is from AGOS DUCATO.
• Avarda ABcoreChannel Partner/ Reseller/ DistributorMember of CTC consortium - financial services company based in Sweden (Borås) operating in Italy.
• AVVERA S.p.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - financial services institution in Reggio Emilia.
• BANCA MONTE DEI PASCHI DI SIENA S.p.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - one of Italy's oldest and largest banks, based in Siena.
• BANCA PROGETTO S.p.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - specialized bank based in Milan.
• BCC CREDITO CONSUMO S.p.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - cooperative bank credit consumer company based in Rome.
• BIBANCA S.p.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - bank based in Sassari, Sardinia.
• CA Auto Bank S.p.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - automotive financing company based in Turin.
• CASSA DI RISPARMIO DI ASTI S.p.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - savings bank based in Asti, Piedmont.
• COFIDIS S.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - international consumer credit company with Italian operations in Milan.
• COMPASS BANCA S.p.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - major consumer credit company. Vice President of CTC is from Compass Banca.
• CREDITO EMILIANO S.p.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - regional bank based in Reggio Emilia.
• DEUTSCHE BANK S.p.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - major international bank with Italian operations.
• FIDITALIA S.p.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - financial services company based in Milan.
• FINDOMESTIC BANCA S.p.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - online bank specializing in consumer credit.
• FINECO BANK S.p.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - digital bank and financial services company.
• IBL BANCA S.p.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - specialized bank for financial solutions.
• PITAGORA S.p.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - financial services company focused on personal loans.
• Prestiamoci S.p.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - peer-to-peer lending platform.
• PREXTA S.p.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - financial services company.
• SANTANDER CONSUMER BANK S.p.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - major international banking group consumer finance arm.
• SELLA PERSONAL CREDIT S.p.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - financial services company of the Sella banking group.
• Stellantis Financial Services S.P.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - automotive financing company of Stellantis group.
• UNICREDIT S.p.A.coreChannel Partner/ Reseller/ DistributorMember of CTC consortium - one of Italy's largest banking groups.
• YOUNITED CREDIT SAcoreChannel Partner/ Reseller/ DistributorMember of CTC consortium - digital consumer credit company.
• CBI S.c.p.A.coreTechnology or IntegrationCTC uses the CBI Globe platform managed by CBI S.c.p.A. for the Check IBAN service. CBI (Corporate Banking Interchange) is the Italian standard for secure bank-customer data exchange, enabling CTC to verify IBAN-to-account holder associations through participating banks (PSP Responding).
• ADICONSUMminorGTM or Marketing PartnerConsumer association with whom CTC has a dedicated agreement for processing consumer data access requests and resolving disputes.
• CODACONSminorGTM or Marketing PartnerConsumer association with whom CTC has a dedicated agreement for processing consumer data access requests and resolving disputes.
• ASSOUTENTIminorGTM or Marketing PartnerConsumer association with whom CTC has a dedicated agreement for processing consumer data access requests and resolving disputes.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Market position

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/consorzio-per-la-tutela-del-credito-s-c-a-r-l

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

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 CTC Consorzio per la Tutela del Credito