Finclude.ai, operated by Verge Capital Limited and regulated by the Central Bank of Ireland, specializes in transforming the assessment of creditworthiness and affordability for individuals by leveraging transactional data and spending patterns. The company serves creditors and lenders, providing them with a comprehensive view of a retail credit applicant's financial health. Finclude's technology utilizes Machine Learning and Adaptive Learning models to verify financial information and assess creditworthiness and affordability. Their services are embedded via APIs into existing applications and processes, enhancing customer engagement, accelerating topline growth, and improving underwriting and pricing of post-paid services. Finclude operates in the open banking market, primarily targeting Europe, and generates revenue through partnerships and service fees. The company's business model focuses on minimizing defaults, managing risk, and opening up new markets for its clients.

Keywords: creditworthiness, affordability, transactional data, machine learning, adaptive learning, APIs, open banking, Europe, financial health, risk management.