Mifundo partners with Taktile to enhance cross-border credit decisioning for European lenders

Integration combines Europe-wide credit data with next-generation decisioning to help banks reduce foreign-customer risk and scale lending confidently

Press release: 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.

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About Mifundo

Mifundo provides Europe’s first standardised cross-border credit scoring system – reducing foreign-customer risk by up to seven times, unlocking a €719 billion lending market, and turning weeks of onboarding into minutes. Through one secure platform, banks can access verified credit data covering more than 70 percent of Europe’s population. As the revised Consumer Credit Directive (CCD2) raises expectations for consistent, data-driven affordability checks across borders, Mifundo helps banks stay compliant and enable fair access to credit for people moving within Europe. Mifundo has been recognised among Europe’s top fintechs by Mastercard Lighthouse and was named Disruptor of the Year and Startup of the Year at the Europe Fintech Awards 2025. The company is backed by €10 million from the European Innovation Council, Tera Ventures and other leading tech investors. For more information, visit mifundo.com or follow Mifundo on LinkedIn.

About Taktile

​​Taktile empowers financial institutions to rapidly embed AI agents into their decision-making, transforming how they operate with unmatched safety and control. Our Agentic Decision Platform enables you to quickly unlock AI-driven efficiencies across the customer lifecycle, reducing manual work, strengthening risk controls, and improving end-user experiences. Built for highly regulated environments, Taktile gives you the tools to control and trace how AI, rules, and human judgment interact—ensuring every AI-driven decision is audit-ready. Taktile has offices in NYC, London, Berlin, and Iasi and has raised $80M in capital from top investors including Balderton Capital, Index Ventures, Tiger Global, and Y Combinator. Join over 200 leading financial institutions who rely on Taktile to power faster, more intelligent decisions from onboarding to underwriting, fraud, AML, and collections. For more information, visit www.taktile.com or follow Taktile on LinkedIn.