Finclude 20  20new 20logo

Finclude (fka. Verge.Capital)

Finclude revolutionizes creditworthiness and affordability assessment of individuals with machine learning on their financial behavior powered by PSD2 APIs.

  • Stage Full Product Ready
  • Industry Fintech
  • Location Dublin, Ireland
  • Currency EUR
  • Founded July 2018
  • Employees 12
  • Incorporation Type Other
  • Website finclude.ai

Company Summary

There are 510m people across EU & they do not have a common credit score; a problem solved long ago in the US. Finclude solves these issues with the use of machine learning based on the updated European framework for open banking (PSD2). Finclude utilizes next generation models based both on subject matter & data experise. The service is monetized via subscription based access to the platform, initially to EU banks and later on to other lenders.


  • Yg headshot

    Yiannis is serial tech entrepreneur with years of experience in cybersecurity, data science and telecoms. His previous cybersecurity startup Crypteia Networks was acquired by PCCW Global in 2014 and he served as Head of PCCW Global’s R&D. Prior to that he served in executive positions in system integration and banking sectors within ICT domain. He possesses Masters Degree in Business Analytics from NYU Stern.

  • Ioanna yp new
    co-Founder & Chief Risk Officer

    Ioanna is a seasoned credit risk professional with 18 years of experience in the financial services industry. She has served in positions related to credit risk assessment, management & mitigation. She possesses significant experience within the fields of financial business modeling, as well as financial analytics for financial institutions & management consulting firms. She has held senior executive positions with firms like EY & Grant Thornton.