Mifundo, a pan-European credit-data platform headquartered in Estonia, and Taktile, a German-based agentic decision platform, have announced an integration designed to support banks in verifying cross-border credit histories and automating decision-making.

The collaboration aims to help European lenders deliver faster, more consistent, and compliant credit assessments for customers with financial records spanning multiple countries.

An estimated 45 million people in Europe live, work, or earn across borders, yet their credit histories are often confined within national systems.

This can create challenges for banks, as evaluating foreign or thin-file applicants frequently requires manual review, extended checks, or cautious risk policies.

The revised Consumer Credit Directive (CCD2) further emphasises the need for consistent, data-driven affordability assessments across EU member states.

The integration combines Mifundo’s verified credit data, covering over 70% of Europe’s population, with Taktile’s decision platform.

Banks can access reliable foreign credit histories through Mifundo and embed agentic AI into their lending strategies via Taktile.

This allows institutions to automate underwriting, refine decision rules, and adjust risk policies in real time, while maintaining oversight.

“European banks need both trusted cross-border credit data and flexible decisioning infrastructure,”

said Kaido Saar, CEO of Mifundo.

“By combining Mifundo’s passportable financial identity with Taktile’s Agentic Decision Platform, lenders can reduce foreign-customer risk, comply with CCD2 expectations and unlock new revenue from Europe’s €719 billion cross-border lending market.”

“Risk and credit teams want greater control, speed, and transparency in their underwriting processes,”

added Maik Taro Wehmeyer, Co-Founder and CEO of Taktile.

“Through our integration with Mifundo, institutions can automate decisions for applicants whose credit data spans multiple countries, optimise policies continuously, and scale lending while maintaining rigorous risk oversight.”

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