FMA-reguliertes Open Banking für Finanzdienstleistungen, Banken, Leasing, Energie, Mobilität, Immobilien und mehr

Wissen Sie genau, mit wem Sie es zu tun haben. In Sekundenschnelle.

Digital onboarding, KYC, identity and creditworthiness verification — fully automated and compliant.

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KYC · PSD2 Account Analysis · Fraud Prevention · Creditworthiness Assessment · Real-Time Onboarding

Trusted by Europe’s Leading Enterprises

From established financial institutions and property managers to high-growth digital platforms, market leaders rely on FINcredible. As a fully regulated, PSD2-authorized partner, we provide the real-time, fraud-proof bank data our clients need to make smarter decisions and build lasting trust

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Geschäftsleute bei der Zusammenarbeit in einem modernen Großraumbüro.

Why FINcredible

Regulated. Accredited. Ready to Deploy.

FINcredible makes complex identity, creditworthiness, and onboarding processes simple, intuitive, and digitally accessible for businesses and their customers.

As an FMA-regulated account information service provider under ZaDiG 2018 and an accredited ID Austria partner, FINcredible combines regulatory security with modern process digitalization.

Decisions in Real Time

Identity, account data, creditworthiness, and fraud risks are securely verified and analyzed in real time enabling faster, more informed customer processes.

Modular. Scalable. Tailored.

From individual modules to a complete solution suite flexibly adaptable to your industry and operational processes.

Simple & Accessible

Complex technology, designed for seamless usability for your teams and customers, without technical barriers.

Our Solutions

Modular building blocks for seamless digital customer journeys.

Industry Insight, summarized from Forbes Austria

The future of digital verification belongs to data sovereignty. As highlighted by Forbes, the ultimate goal of modern identity solutions is to hand data control back to the individual while allowing businesses to verify compliance instantly and securely exactly the standard FINcredible delivers today.

Industries & Sectors. Digital identity, financial and verification processes for regulated and
data-driven industries.

Banking and financial services icon

Banking & Financial Services

Digital KYC, AML, affordability and account verification for secure and compliant financial processes.
Real estate industry icon

Real Estate

Real-time affordability checks, account analysis and credit assessments for faster financing decisions.
Energy industry icon

Energy & Mobility

Digital onboarding, SEPA mandates and contract flows for modern subscription and mobility services.
Telecommunications industry icon

Telecommunications

Faster customer onboarding through digital identity and payment capability verification.
Public sector and municipal services icon

Public Sector & Municipalities

Secure digital citizen, payment and verification processes for modern public administration.
HR and payroll icon

HR & Payroll

IBAN NameCheck, account verification and digital employee onboarding with fewer manual errors.
Nonprofit and membership organisations icon

NGOs & Membership Organizations

Digital SEPA mandates and frictionless verification processes for donations and recurring memberships.
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Ready to Secure Your Business. Contact Us Today & Scale Your Growth

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Modular services for secure, digital and compliant customer processes.

Data analytics icon
Real-time analytics for informed financial and regulatory decision-making.
Integration services icon
Seamless integration into existing systems via API, WebApp or white-label solutions.
Model development icon
Custom verification and decision models tailored to industry, risk and process requirements.

How FINcredible Works? Technology and infrastructure for secure digital financial, identity and verification processes.

Person signing in to mobile banking on a smartphone, illustrating secure open banking access.

Coverage

Broad banking and process coverage for scalable digital customer journeys.

Security

Regulatory-compliant security and verification mechanisms for trusted digital processes.

Integration

Flexible integration via REST API, SAP or white-label implementation into existing systems.

WebApp

Digital verification and onboarding flows without additional development effort.

Access to Account

Secure access to consent-based financial data powered by PSD2 and Open Banking.

ID Austria

Austria’s official digital identity infrastructure.

Schedule a Consultation to Tailor the Perfect Solution for Your Workflows.

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The FINcredible Journal

Your go-to resource for Open Banking trends, digital verification insights, and compliance updates. Read our latest articles to see how data sovereignty is reshaping the B2B landscape.

General

Payroll fraud is a widespread and costly problem. According to the Association of Certified Fraud Examiners (ACFE), payroll schemes account for around one in ten cases of occupational fraud and

General

A conversation with Mittelsmann Philipp Sulek GmbH about the importance of tenant creditworthiness checks in residential letting Mittelsmann Philipp Sulek GmbH (www.sulek.immobilien) is a real estate agency based in Vienna.

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Press & News:
FINcredible in the Spotlight

Explore our latest official press releases, product announcements, and expert commentary featured in leading European business and tech publications.

Events & Webinars: Deep Dive into Fintech Innovation

Connect with our team and industry experts at upcoming live webinars, panel discussions, and trade fairs. Join us to explore actionable strategies regarding Open Banking, regulatory compliance.

Career: Shape the Future of Digital Trust

If you are passionate about cutting-edge technology, data privacy, and scaling user-centric fintech solutions, explore our open roles and join a fast-growing team where your impact matters.

Our clients and partners