In a feature interview, our CEO and founder Roni Zacharion shares his perspective on one of the core challenges in today’s credit market: the information gap.

Despite increasing regulation and access to more data, credit decisions are still often based on static, historical information – creating inefficiencies and excluding creditworthy individuals and businesses.

As highlighted in the interview, the future lies in combining traditional data with real-time insights to better reflect actual financial behaviour and risk.

In a separate article, our co-founder Magnus Källhager addresses a key question facing the industry:

As regulation becomes stricter, are we actually making better decisions – or simply stricter ones based on incomplete data?  His perspective highlights a critical issue: Even with stronger frameworks, decisions risk being flawed if the underlying data does not reflect the full financial reality.

From compliance to data quality

Our Chief Legal Officer, Richard Wachtmeister, also contributes with insights on the new Consumer Credit Directive (CCD2).

His focus is clear: the industry is moving from simply making credit decisions – to being able to demonstrate that those decisions are based on sufficient and relevant data.

This shift puts data quality, relevance, and timeliness at the center of compliance and risk management.

Across all three contributions, one theme stands out:

The credit industry is entering a new phase — where better data, real-time insights, and smarter infrastructure are not just competitive advantages, but necessities.

At Kreditz, we are proud to be part of that shift.

Read Kreditnytt here