Experian and Subaio join forces for better credit assessments

Subaio has partnered with Experian, a global leader in credit assessment, to enhance credit decisioning across the Nordic markets. The partnership combines Subaio’s transaction intelligence with Experian’s deep credit market expertise to deliver more accurate and comprehensive creditworthiness evaluations.

The partnership

Under the agreement, Experian gains exclusive rights to Subaio’s credit solution in Denmark, Norway, Sweden, and Finland. The collaboration leverages Subaio’s transaction data analysis capabilities, built on PSD2 directive access to major European banks, alongside Experian’s proprietary credit data including RKI data and KreditStatus debt registry.

By analyzing recurring payment patterns from real bank transactions, the combined solution provides lenders with a more complete picture of a borrower’s financial situation.

Benefits for lenders

The partnership delivers significant advantages for credit providers:

• More accurate assessments, real transaction data combined with traditional credit data improves prediction accuracy
• Better consumer protection, enhanced ability to identify borrowers who can sustainably repay loans
• Streamlined processes, automated, efficient workflows for both consumers and lenders
• Improved KYC, stronger Know Your Customer procedures and fraud prevention

“This partnership represents a significant step towards improving transparency and an elevated customer experience.”

— Bo Rasmussen, Chief Commercial Officer, Experian

A milestone for Subaio

The Experian partnership marks another significant expansion of Subaio’s credit intelligence capabilities. By combining transaction-based insights with established credit bureau data, the partnership creates a new standard for creditworthiness assessment in the Nordic region.

“This partnership is another significant milestone for Subaio, opening exciting new business opportunities.”

— Subaio CCO

Looking ahead

As regulatory requirements like CCD2 increase the demand for reliable, factual creditworthiness assessments, partnerships like this demonstrate how transaction intelligence and traditional credit data can work together to serve lenders and protect consumers.

The combination of real-time transaction analysis with established credit market data points toward the future of credit decisioning, more accurate, more comprehensive, and better for everyone involved.

For more information about Subaio’s credit intelligence solutions, contact our team or request a demo.