“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 ...
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Outdated Data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.
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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.
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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belief- that intelligent financial decisions should be based on real-time data and actual financial behavior, not outdated data and generalized assumptions.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.
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Timeline
2018
Beginnings
- Roni Zacharion, Arlen Rios and Magnus Källhager founds Kreditz AB.
- Kreditz AB is registered as a private limited company (Bolagsverket). Kreditz "Årsdag."
- Kreditz first two fully employed developers start.
- First product offering was B2C, where Kreditz technology focused on "proving ability to pay" in between private persons through transaction data.
2019
Expansion
- Kreditz pivots towards B2B offerings launching first version of Kreditz VISTA (Web UI) and Kreditz Income certificate.
- Kreditz first Finnish customer signs a deal, and all of a sudden the company is LIVE in two markets!
- Anna Storåkers, Nordeas former head of Sweden, becomes Kreditz newest chairman of the Board.
2020
Investors
- Kreditz secures 19MSEK in new early-stage VC investment round with investors such as: Segulah Venture & Salénia.
2021
New Milestone
- + 1MSEK in monthly revenues.
2022
Goes Global
- Kreditz is now used in six markets: Sweden, Finland, Denmark, UK, Norway, and the Netherlands.
2023
Further Growth
- Creades and INGKA invests 110 MSEK (10m EUR) in Kreditz Series A investment round
- Kreditz signs new office space, 700 square m to continue growing its team with talent
2024
New Hires
- Boots-on-the-ground established by hiring Kreditz first Country Manager Finland
- Boots-on-the-ground established by hiring Kreditz first Country Managers for Spain and Denmark
- Kreditz launches the ‘Fraud Detect’ tool
- Award-winning solution highlighted at CMC Awards together with Skanska Rental
2025
Scale-up
- New key hires such as Chief Commercial Officer, Chief Product Officer, Marketing Manager and new talents to the teams.
- Double Winner at Credit and Compliance Awards 2025, highlighted on several Sifted list as fast growing Nordic company.
- Entering Austria, Estonia, Latvia, and Lithuania as new live markets
- Swedish Tax authorities data connectivity in Sweden.
- Account verification is launched.
- Business Account rule implemented.
- Additional Wealth data sources added in Sweden.
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.
