Mifundo identifies 150 million creditworthy Europeans whose €1.3 trillion value is invisible to banks due to fragmented credit data across countries and bureaus. Mifundo's solution provides cross-border credit data and a passportable financial identity to give consumers freedom of movement and access to better credit terms. Mifundo aims to analyze €10 billion in annual loan volumes, generating €370 million in annual revenue by unlocking opportunities in the €7.19 trillion EU lending market.

1. Verified & Passportable
Financial Identity
For credit products. Licensed by FSA.

2. Mifundo identifies
150 million creditworthy Europeans
whose €1,3 trillion value
is invisible to banks
VALUE PROPOSITION
MIFUNDO
|
2023

3. Keiu Kalaus
COO
Former Country Manager
of Bigbank Spain
Kaido Saar
CEO
Former CEO of Bigbank Group
WHO WE ARE?

4. CREDIT DATA IS HIGHLY FRAGMENTED IN EU
MIFUNDO
|
2023
27
Countries
50+
Credit Bureaus
Each in own
country
No Data Sharing / No Common Data Pool

5. MIFUNDO
|
2023
€ 720 billion new loans
€ 600 billion financed better
LOST OPPORTUNITY

6. MIFUNDO
|
2023
WHAT IS THE SOLUTION?
Cross-border Credit Data for banks.
Passportable Financial Identity for consumers.

7. MIFUNDO
|
2023
REVENUE MODEL
2-5%
for issued loan volume
€10-30
fee per analysis
+ monthly subscription fee
Free
of charge for consumers
BANKS BANKS USERS

8. BUSINESS POTENTIAL
Annual loan volume € 10 billion
MIFUNDO
|
2023
Annual revenue € 370 million

9. Lending market
of EU
€ 7190 billion
Total bank loans for
private individuals
45 million
Data source: European Central Bank
Expats & multi-country
people
10% of population
Potential loan volume:
€ 719 billion

10. MIFUNDO
|
2023
Credit products from multiple Banks
Consumer-facing Credit Score
Own Credit Analysis
Cross-Border for Banks
Cross-Border for Consumers
Market Focus X-Border to US
US, Canada, UK X-Border in EU
Credit
Bureaus
Local Country
COMPETITION

11. .gif">
</a>
TRACTION
MIFUNDO
|
2023

12. MIFUNDO
|
2023
Kaido Saar
CEO,
Co-Founder
Marko Käis
Tech Architect,
Senior Developer,
Co-Founder
Keiu Kalaus
CPO
Jüri
Pruulmann
CTO
Prof Shahab
Anbarjafari
Machine Learning
Expert
Liis Halling
Chief Legal
Officer
Artis Gromuls
Chief Data Officer
Mihkel Karu
Product advisor
Sergei Anikin
Tech advisor
Kristo Peterson
Chief Digital Marketing
Officer
built up a bank operating in 9 countries
plus experience from
Team

13. MIFUNDO
|
2023
Finalist
Top 10
Selected by Mastercard
and top tier banks,
spring´23
Selected to EIC
Accelerator
programme
Sustainable Finance by Mifundo:
- improves financial inclusion
- reduces inequality
- raises financial literacy
Member in pan-EU
organisation of credit bureaus
Finalist

14. Freedom to move.
Freedom to be trusted.
mifundo.com