faire.ai: Revolutionizing Credit Decisions with AI-Powered Financial Insights

faire.ai is a cutting-edge B2B fintech platform that leverages AI and open banking data (PSD2) to deliver real-time financial health analysis and automated credit scoring for both retail customers and small-to-medium enterprises. By transforming transaction data into actionable financial insights, faire.ai empowers businesses to make smarter lending decisions through its embedded finance solutions. The platform stands out with over 100 financial indicators, customizable real-time scorecards, seamless digital identity verification via SPID, and intuitive visual dashboards for monitoring key performance metrics. Its API-first architecture enables effortless integration into existing systems, making it ideal for banks, financial institutions, utilities, and enterprises seeking to streamline loan processes and enhance risk assessment.

Key Features:

• Credit Scoring PSD2: Advanced AI-driven credit scoring using real-time transaction data from open banking.
• 100+ Financial Indicators: Comprehensive metrics including Income Verification, Spending Behavior, Financial Reliability, and Risk Assessment.
• Real-Time Scorecards: Customizable, dynamic scorecards tailored to client-specific risk policies and business goals.
• Embedded Finance Integration: Enables instant lending directly within sales and customer journeys.
• Loan Simulation & Approval: Allows users to simulate loans and receive approvals within hours.
• Digital Identity Verification: Secure verification via SPID for fast and compliant onboarding.
• Transaction Categorization & Analysis: AI-powered parsing and classification of user transactions for deeper insights.
• Visual Dashboards: Intuitive web interfaces for monitoring financial data and KPIs in real time.
• API-First Architecture: Flexible and scalable integration options for partners and platforms.
• SME Financial Evaluation: Combines PSD2 transaction data with cameral data to assess business coherence between revenue and cash flow.
• Instant Loan Disbursement: Funds delivered to end customers within 72 hours, backed by solid Italian banks for reliable collections.

Pricing: faire.ai offers a free-to-use lending-as-a-service solution with no activation or exit fees, no monthly charges, and transparent pricing based on usage, making it accessible for businesses of all sizes looking to integrate instant credit into their operations.

Conclusion: faire.ai is a powerful, intelligent, and scalable financial insights platform that redefines credit assessment through AI and open banking, offering seamless, fast, and trustworthy lending solutions for businesses and financial institutions across Italy and beyond.