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Get the latest updates on cross-border credit, financial mobility across Europe, and how Mifundo is helping people and banks move forward without borders.

When borrowers have financial history in more than one country

More Europeans build financial histories across several countries. Banks need the full picture to assess them fairly.

Non-Discrimination in consumer credit: What Article 6 of the revised Consumer Credit Directive really requires

This article explains the new non-discrimination obligation and its practical implications for credit decisions.

Mifundo expands Romanian credit data coverage through partnership with Biroul de Credit

Mifundo connects credit data from 20+ European countries, covering more than 70% of Europe.

Why cross-border credit data matters under CCD2: Perspectives from regulators, supervisors and banks

Key insights from regulators, supervisors and banks on implementing CCD2 and fair cross-border lending.

Who is a thin file customer

A customer becomes a thin file the moment their financial history is split across countries.

Customer success

Libra Internet Bank shows how cross-border credit data improves lending decisions

Romanian diaspora customers are assessed using cross-border data, improving approvals and reducing risk for banks.

How banks struggle with foreign bank account statements

Foreign income assessment still relies on PDFs. This creates cost, errors and fraud risk in underwriting.

The Non-Resident Mortgage Gap: What European Banks Are Missing

Banks reject creditworthy EU expats due to missing cross-border data, leading to flawed risk assessments.

We already have a credit bureau. Why do we need Mifundo?

Cross-border applicants are not higher risk. They are under-assessed. Complete data changes the decision.

Why labour mobility in Europe needs a financial passport

The right to move freely across Europe is a pillar of the Union, yet for millions the journey stops at financial walls.

What will change for cross-border credit data in 2026 and why banks need to prepare now

For years banks referenced cross-border credit data in strategies but mainly relied on domestic data; by 2026 gap ends.

Mifundo and Taktile announce integration

Mifundo and Taktile integrate Europe-wide credit data with next-gen decisioning to reduce risk and scale lending

Mifundo and Infodebit partner across Southeast Europe

Mifundo expands its pan-European platform with Moldovan credit data through a new partnership with Infodebit.

5-step audit to uncover your bank's cross-border opportunity

This method uncovers hidden cross-border opportunities, costing European banks 10–15% of their lending potential.

Mifundo and SID/SOLUS partner to strengthen cross-border credit data across Central Europe

Mifundo announces new partnership with SID/SOLUS, a leading Czech credit-information provider.

The Consumer Credit Directive 2: four pillars every bank must understand

How to use CCD2 requirements for competitive advantages in risk management, market expansion, and customer trust.

Mifundo and Valitive partner across the Nordics

Mifundo teams with Valitive, adding high-quality Nordic credit data to its pan-European platform.

Responsible cross-border lending: why banks must act now

EU’s CCD II strengthens responsible lending by Nov 2025, challenging banks to serve cross-border customers compliantly

Mifundo is shortlisted at Banking Tech Awards 2025

We are honoured to announce that Mifundo has been shortlisted at the prestigious Banking Tech Awards 2025

Building credit systems for a mobile Europe

How banks can enable cross-border credit data securely and GDPR-compliantly?

How to identify profitable cross-border opportunities that other banks miss

A guide for banks on understanding the size of their foreign customer base

According to the banks systems I simply didn’t exist

Mifundo's Chief Product Officer, Keiu Kalaus, shares her personal story

Building a borderless data economy: Mifundo’s take on the EU’s future data strategy

Mifundo's Chief Government and Public Affairs Officer, Enrique Velazquez, shares views on EU data strategy.

The business case for cross-border lending: What CFOs and risk officers need to know

Jaak Erm, Mifundo’s Chief Credit Risk Officer, explains why cross-border customers deserve serious attention

Mifundo and CRIF Switzerland: a partnership to enhance cross-border credit data access for European banks

Mifundo partners with CRIF Switzerland to make Swiss credit data accessible to European banks

Mifundo wins Disruptor of the Year and Startup of the Year at Europe Fintech Awards 2025

Mifundo’s dual award wins highlight the growing impact and trust in its cross-border credit solution across Europe.

The 1.5 million opportunity: Why cross-border EU citizens are banking's most undervalued customer segment

Financially capable individuals moving within Europe are excluded by banks ignoring their credit histories.

First-party fraud in credit reports: challenges, remedies, and the path forward in Europe

As AI makes credit report forgery easier, Europe must move beyond PDFs to protect trust in cross-border lending.

6 ways Mifundo revolutionizes cross-border credit assessment

When lending across borders, financial institutions face significant challenges in assessing credit risk accurately.

Europe's single market is still stuck in the paper age. Let's fix that.

The European Commission finally calls for a paradigm shift from document-based to data-based processes.

Mifundo named finalist in two categories at Baltic Fintech Awards 2025

The winners will be announced at the Baltic Fintech Awards Ceremony during the Baltic Fintech Days on April 3rd.

Reflecting on 2024: Mifundo's year of breakthrough growth

What we learned in 2024 and where we’re going in 2025

Mifundo earns silver medal at Banking Tech Awards 2024

The award recognizes our innovative approach to tackling a critical global challenge.

Mifundo expands Creditinfo partnership to Lithuania and Malta, accelerating cross-border financial mobility

With every new country, we’re building a truly European credit ecosystem.

Mifundo secures €10 Million to transform cross-border credit profiles in the EU

It’s a clear signal that our vision—to eliminate financial borders within Europe—is both needed and possible.

Mifundo selected for €2.5M grant from European Innovation Council Accelerator

This milestone represents a significant leap forward in our journey.

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Mifundo OÜ
Private limited company entered into Estonian Commercial Register with registry code: 14587569
VAT no: EE102112508
Address: Hobujaama 4, Tallinn, 10151, Estonia
Email: info@mifundo.com
Customer support: +372 5333 4248
Represeted by the Management Board: Kaido Saar, Keiu Kalaus
Supervised by: Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority), Sakala 4, Tallinn, 15030, Estonia

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