Xpektor
Xpektor is a Swedish SaaS platform that uses AI to aggregate bank, accounting, tax, and regulatory data for real-time financial risk assessment, fraud detection, and KYC/AML compliance, serving financial institutions, lenders, and corporate risk teams across the Nordics.
- Company typePrivate
- Founded2021
- HeadquartersGothenburg, Sweden
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Xpektor does
Xpektor is a Swedish software company founded in 2021 and headquartered in Gothenburg that operates an AI-powered SaaS platform for financial risk analysis. The platform aggregates and cross-references data from banks, accounting systems, tax authorities, and regulatory bodies in real time to surface inconsistencies, fraud indicators, and compliance issues, serving financial institutions, lenders, and corporate credit and risk teams primarily in Sweden. The product is built as an integrated suite of ten modules covering risk scoring (A-E rating), company data, public risk profiles, reporting, equity capital, liquidity, company networks, asset management, bank account data, and KYC workflows, supported by approximately 400 risk warnings and triggers.
The company operates on a subscription-based SaaS model with distribution through direct sales and an API for partner integrations, and reports a customer outcome metric of roughly 120 million SEK in avoided financial crime losses. Xpektor is GDPR compliant and, as of 2025, is extending its footprint from Sweden into Norway. The company is privately held, bootstrapped, and has a small team of 1-10 employees led by co-founders Petter Eriksson (CEO), Daniel Eremar, and Hanna Gårdmark (board chair).
Xpektor firmographics
Firmographics- Name
- Xpektor
- Legal name
- Xpektor Tech AB
- Website
- https://xpektor.se
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Xpektor is a Swedish SaaS platform that uses AI to aggregate bank, accounting, tax, and regulatory data for real-time financial risk assessment, fraud detection, and KYC/AML compliance, serving financial institutions, lenders, and corporate risk teams across the Nordics.
- Ownership category
- akta.pro rank
Xpektor industry classification
Industry- Product category
- Financial Risk Analysis Software
- NAICS
- Computer Systems Design and Related Services (5415)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- KYC/KYB & Customer Onboarding (CIP, beneficial ownership, screening) (FSAGAFAB)
- akta.pro secondary industries
- Consumer Identity Verification (KYC) & Fraud Risk for Credit (FSAKAKAD), Fraud, Risk, KYC/AML & Compliance Platforms (BPAMAFAI)
Keywords
Where Xpektor is headquartered
LocationHeadquarters
- HQ city
- Gothenburg
- HQ country
- Sweden
- HQ region
- Europe
Offices1 record
Markets served
Xpektor business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- SaaS Platform License: Xpektor operates as a cloud-based software-as-a-service (SaaS) platform, providing licenses to organizations for internal business use. The license is non-exclusive, non-transferable, and royalty-bearing, with access granted during the license period.
- Add-on Modules: Additional terms apply for specific add-ons purchased by the customer according to the Order Confirmation Form, allowing expansion of the core platform capabilities.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Contact sales for pricing |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
Xpektor product offering
Product offeringCore offering
Xpektor provides an AI-powered SaaS platform that performs real-time financial risk analysis by cross-referencing data from bank accounts, accounting systems, tax authorities, company registries, and regulatory sources. The platform delivers continuous 24/7 monitoring, KYC/AML automation, credit risk scoring, fraud detection, and company due diligence for banks, lenders, and corporate risk teams. Customers access the platform via a web interface or API integration.
Product overview
Xpektor is a unified AI-based SaaS platform for financial risk analysis that combines real-time data from multiple sources including banks, accounting systems, tax authorities, and regulatory bodies. The platform consists of 10 integrated modules: Score, Company Data, Public Risk Profile, Reports, Equity Capital, Liquidity, Company Network, Asset Management, Bank Account Data, and KYC. These modules work together through cross-referencing to detect inconsistencies, patterns, and criminal behavior, providing risk scores (A-E) and approximately 400 warnings to help organizations make smarter and safer financial decisions.
Differentiator
Problem solved
Functional benefit
Products and services
- Xpektor Platform
- Xpektor Add-on Modules
Quantifiable outcome
- Saved customers approximately 120 million SEK in crime-related losses
- +1 more outcomes
Companies that use Xpektor
Customer profileSegments4 records
Ideal customer profiles3 records
Xpektor technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability6 records
Feature6 records
Xpektor partnerships and signals
Strategic signalScale indicators2 records
Recent moves6 records
Expansion highlights5 records
Xpektor competitors and assessment
Company assessmentDirect peers
- ComplyAdvantage: AI-driven AML/KYC platform serving fintechs and banks. Closest direct peer in combining multi-source data with continuous monitoring for AML compliance.
- UC (Upplysningscentralen): Sweden's primary credit information bureau. Direct competitor in Swedish business credit and risk information, with established enterprise relationships across financial institutions.
- Allabolag (now Hitta/D&B ecosystem): Swedish company information and registry data platform. Direct competitor for Swedish company data, beneficial ownership, and basic corporate transparency within Xpektor's Company Data Module.
- Creditsafe: Business credit reports and risk management with strong Nordic presence. Direct competitor in SME and corporate credit risk assessment for lenders and financial institutions.
- Bisnode (now Dun & Bradstreet): Historic Nordic leader in business information, company registries, and credit data. Now part of Dun & Bradstreet but remains a baseline competitor for Xpektor in Sweden and Norway.
Broad incumbents
- Dun & Bradstreet: Global leader in business credit data and KYC/compliance after acquiring Bisnode (the Nordic business information incumbent). Competes across Xpektor's credit risk and corporate transparency use cases.
- Moody's (Orbis, Compliance Catalyst): Global risk and compliance platform with corporate transparency (Orbis Bureau van Dijk) and KYC solutions. Competes in multi-source company intelligence for enterprise compliance teams.
- Refinitiv World-Check (LSEG): Global KYC/AML screening and risk intelligence standard. Competes with Xpektor's Public Risk Profile and KYC modules in enterprise compliance workflows.
Emerging players
- Trustfull: AI-powered AML and credit risk scoring platform. Emerging peer focused on alternative data and real-time risk signals, with overlapping technology approach to Xpektor's AI-driven cross-referencing.
- Salv: AML/KYC compliance platform focused on fintechs and challenger banks. Emerging peer with overlapping real-time AML and adverse media screening capabilities targeting similar compliance buyers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Xpektor social profiles
Digital presenceXpektor compliance and trust
Trust signalCompliance1 record
Xpektor financial estimates
Financial estimateRevenue estimate
Valuation estimate
Xpektor leadership team
Management profileNumber of profiles
Profiles3 records
Xpektor funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Xpektor 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 Xpektor
What does Xpektor do?
Xpektor provides an AI-powered SaaS platform that performs real-time financial risk analysis by cross-referencing data from bank accounts, accounting systems, tax authorities, company registries, and regulatory sources. The platform delivers continuous 24/7 monitoring, KYC/AML automation, credit risk scoring, fraud detection, and company due diligence for banks, lenders, and corporate risk teams. Customers access the platform via a web interface or API integration.
Is Xpektor a public or private company?
Xpektor is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Xpektor founded?
Xpektor was founded in 2021. It employs 1 to 10 people.
Where is Xpektor based?
Xpektor is headquartered in Gothenburg, Sweden, in the Europe region.
How does Xpektor make money?
Two revenue lines are on record. SaaS Platform License is the primary driver. The others are add-on Modules.
Who are Xpektor's main competitors?
Direct peers on record are ComplyAdvantage, UC (Upplysningscentralen), Allabolag (now Hitta/D&B ecosystem), Creditsafe and Bisnode (now Dun & Bradstreet). Broad incumbents are Dun & Bradstreet, Moody's (Orbis, Compliance Catalyst) and Refinitiv World-Check (LSEG). Emerging players are Trustfull and Salv.
Does Xpektor have an API?
Yes. Xpektor is available through a web interface and can also be integrated via API. The API enables programmatic access to the platform for connecting companies and analyzing data.
What industry is Xpektor in?
Xpektor's product category is Financial Risk Analysis Software. Its primary akta.pro industry code is FSAGAFAB, KYC/KYB & Customer Onboarding (CIP, beneficial ownership, screening), with a secondary code of FSAKAKAD, Consumer Identity Verification (KYC) & Fraud Risk for Credit. Its NAICS code is 5415 and its SIC code is 7320.