finclude.ai: Revolutionizing Creditworthiness with Open Banking Intelligence

finclude.ai, provided by Verge Capital Limited, is a cutting-edge creditworthiness API powered by Open Banking data under PSD2 licensing. Designed to assess financial reliability even for individuals without traditional credit histories, it leverages a smart categorization engine and adaptive learning to deliver accurate cash flow projections. Fully authorized and regulated by the Central Bank of Ireland, finclude.ai offers seamless plug-and-play API integration, making it a trusted solution for financial assessment in innovative lending and fintech applications.

Key Features:

• Creditworthiness API: Evaluates financial health using real-time banking transaction data.
• Affordability Scoring: Determines repayment capacity for users with no credit history.
• PSD2 Licensed Open Banking Integration: Secure, compliant access to bank transaction data.
• Smart Categorization Engine: Automatically classifies transaction data for deeper financial insights.
• Adaptive Learning for Cash Flow Projections: Continuously improves forecasting accuracy based on user behavior.
• Plug-and-Play API Integration: Easy and fast implementation for developers and businesses.
• Regulated & Authorized by Central Bank of Ireland: Ensures trust, compliance, and data security.

Pricing: finclude.ai operates on a freemium model, offering free access to basic API functionalities with premium tiers available for advanced features and higher usage.

Conclusion: With its innovative use of Open Banking and adaptive intelligence, finclude.ai is a powerful, secure, and accessible tool for expanding financial inclusion and enabling smarter lending decisions across industries.