- Integration combines Europe-wide credit data with next-generation decisioning to help banks reduce foreign-customer risk and scale lending confidently
Tallinn/Berlin, 11.12.2025 – Mifundo, the pan-European credit-data platform enabling banks to instantly verify cross-border credit histories, has announced a new integration with Taktile, the Agentic Decision Platform that empowers financial institutions to rapidly unlock AI-driven efficiencies across the customer lifecycle. Together, the companies will help European lenders deliver faster, more consistent, and more compliant credit decisions for customers with multi-country financial histories.
More than 45 million people in Europe live, work, or earn across borders, yet their credit histories often remain locked inside national boundaries. This creates friction for banks, as assessing foreign or thin-file applicants typically requires manual reviews, lengthy checks, or conservative risk policies. At the same time, the revised Consumer Credit Directive (CCD2) raises expectations for consistent, data-driven affordability assessments across EU member states.
The integration brings together Mifundo’s verified cross-border credit data covering over 70% of Europe’s population with Taktile’s powerful agentic decision platform. Banks can access reliable foreign credit histories through Mifundo’s platform and embed agentic AI into their decision strategies through Taktile, allowing them to automate underwriting, test and refine decision rules, and adjust risk policies in real tim with unmatched safety and control.
“European banks need both trusted cross-border credit data and flexible decisioning infrastructure,” said Kaido Saar, CEO of Mifundo. “By combining Mifundo’s passportable financial identity with Taktile’s Agentic Decision Platform, lenders can reduce foreign-customer risk, comply with CCD2 expectations and unlock new revenue from Europe’s €719 billion cross-border lending market.”
“Risk and credit teams want greater control, speed, and transparency in their underwriting processes,” said Maik Taro Wehmeyer, Co-Founder and CEO of Taktile. “Through our integration with Mifundo, institutions can automate decisions for applicants whose credit data spans multiple countries, optimize policies continuously, and scale lending confidently while maintaining rigorous risk oversight.”
The partnership reinforces Mifundo’s mission to build Europe’s unified credit-data network and make banking truly borderless. By pairing high-quality cross-border data with automated decisioning, lenders can extend fair, responsible credit to more customers while improving operational efficiency and reducing manual review workloads.
