“Fintech Rocket of the Year” and “Breakthrough of the Year”
Kreditz acknowledged in four categories The jury recognized Kreditz for redefining how real-time and ...
.png)
Outdated Data
Decisions based on data that’s months, or even years, old no longer reflect real financial behavior. This creates blind spots and increases risks.
Missed Opportunities
Traditional systems overlook promising applicants because they rely on incomplete or generalized information, excluding those who deserve a fair chance.
Fraud Vulnerabilities
Designed to detect irregularities across multiple data sources and adapt to evolving threats, keeping your company one step ahead at all times.
Where People and Purpose Come Together
We believe in creating a workplace where curiosity, collaboration, and celebration thrive. Founded by individuals with entrepreneurial spirit and deep expertise in financial services and technology, we’re driven by passion and teamwork that creates lasting results.
.png?height=1000&name=Acpect%20Ratio%20Images%20(4).png)
Join Us as We Shape The Future Together.
A career at Kreditz means being part of a team that’s transforming credit and risk decisioning. Explore opportunities to grow, innovate, and make an impact.
.png?height=1000&name=Acpect%20Ratio%20Images%20(5).png)
Our Story.
Kreditz was founded on a simple but powerful belief- that intelligent financial decisions should be based on real-time data and actual financial behavior, not outdated data and generalized assumptions.
Founded in Sweden in 2018, our founders saw a shift taking shape in the financial ecosystem. A shift that had the potential to close the credit information gap and to drive financial inclusion and prosperity. Open Banking and PSD2 were opening secure access to real-time financial data, yet most credit and risk assessments were still built on static models and historical assumptions. Kreditz set out to change that- combining AI, real-time intelligence, and years of credit scoring expertise to bring speed, fairness, and transparency to every decision.
The result was one of the market’s most advanced real-time categorization engines that was capable of transforming raw transaction data into precise, actionable insights. From there, Kreditz evolved into a full suite of products that empower regulated industries such as banking, lending, iGaming, leasing, and commercial credit.
From the start, our purpose has gone beyond technology. Kreditz was built to enable trust, promote financial transparency, and support responsible lending. We believe that when data is used intelligently, it empowers people, institutions, and entire markets to make decisions that promote financial inclusion and prosperity.
Today, Kreditz is at the forefront of the Open Finance & Open Data wave and one of Europe’s leading AI fintech companies, trusted by over 100 clients across the continent. With real-time analytics, embedded compliance, and a vision to empower financial decisions everywhere, we continue to redefine how the world understands risk, trust, and opportunity.
.png?height=1000&name=Acpect%20Ratio%20Images%20(6).png)
Timeline
2018
Beginnings
- Kreditz is founded in Sweden in February 2018 by fintech entrepreneur Roni Zacharion. Arlen Rios and Magnus Källhager join as co-founders.
- The first two employees start in August as Kreditz moves into a small "no-windows type" of office in the basement of a large office building in Danderyd, Stockholm
- Kreditz launch a show-case app to prove the fact that a real-time credit score can be calculated based on bank transaction data (Open Banking/PSD2)
2019
Expansion
- Kreditz goes LIVE with its B2B-offering in Sweden, the web tool known as Kreditz VISTA, which offers lenders a way to look at real-time income through Kreditz Income Certificate.
- The first Finnish customer is signed in the fall, and all of a sudden Kreditz is live in two markets!
- Anna Storåkers, Nordeas former head of Sweden, invests in Kreditz and joins Kreditz board as chairperson.
2020
Investors
- Kreditz secures 19 MSEK in a seed round from prominent Swedish investors such as Segulah Venture & Salénia.
- New products based on Open Banking-data, such as Affordability Assessment are launched.
- Kreditz moves up from the basement to rent two rooms - with windows(!) - at ground floor level.
2021
New Milestones
- Kreditz launches in yet another Nordic market and welcomes the first Danish client.
- + 1 MSEK in monthly revenues is reached by the end of the year.
- Kreditz rents yet another room to fit the staff, now consisting of +10 Kreditz Krewmembers.
2022
Goes Global
- Kreditz is now LIVE in six markets: Sweden, Finland, Denmark, UK, Norway, and the Netherlands.
- Real-time credit scoring solutions based on Open Banking/PSD2 keep increasing in demand throughout Europe.
- The "Fram-gong" (Swedish wordplay of the word "Framgång" which sounds similar, and means success), a gong that we strike to celebrate successful deals is introduced at All-hands meetings.
- The year is summarized with a revenue growth of +170%
2023
Further Growth
- Creades AB (Publ.) and INGKA Investments invest 110 MSEK (10 MEUR) in Kreditz Series A investment round in May 2023 to enable further product growth and geographical coverage.
- Kreditz is now LIVE in +10 European markets through purely organic growth.
- Plenty of new talent join and Kreditz signs its first first-hand office lease and moves into a 700 sq. meter office space to facilitate its growing team of Krewmembers.
2024
New Hires
- Kreditz starts to widen its physical presence with Krewmembers in Finland, Denmark, Germany and Spain
- A new popular product - Kreditz Fraud Detect - is launched to help banks/financial institutions and iGaming companies to identify fraudulent behavior and shut-out straight-rollers at the gate.
- Kreditz client Skanska Rental wins the Grand Credit Prize of the Year at Credit Management & Compliance Awards due to implementing a financial fraud solution delivered by Kreditz that cuts frauds to zero.
2025
Scaling-up
- New key hires such as CCO, CPO, CISO and new additional talents join Kreditz growing group of talents.
- Double Winner at Credit and Compliance Awards 2025, and highlighted on several Sifted lists as one of the fastest growing Nordic fintech companies.
- Going LIVE in Austria, Estonia, Latvia, and Lithuania means that Kreditz is now LIVE in +15 European Markets
- Product development continues at a rapid pace and new data sources such as Swedish Tax Data and Additional Wealth Data are added for the Swedish product offering.
Be Brave
We stay curious and embrace change, using knowledge and real-time insight to lead with confidence. Being brave means stepping into the unknown with clarity, asking better questions, and always striving to improve.
Stay Kind
We treat people with empathy, honesty, and respect whether they’re customers, colleagues, or partners. Kindness drives collaboration, builds trust, and strengthens every decision we make.
Act Professional.
We take ownership, deliver on promises, and hold ourselves to high standards. Professionalism means showing up prepared, staying accountable, and earning trust through consistency and integrity.
What's New
Want to learn about AI, Open Banking, Open Finance, credit and risk decisions or just curious about the latest business trends? Explore our resources for fresh insights, industry updates, latest technologies, and much more.
