Finclude revolutionizes creditworthiness and affordability assessment of individuals with machine learning on their transactional history & spending patterns, powered by PSD2 APIs. Finclude offers a creditworthiness & affordability score that is not based on past credit events but on a person’s financial & transactional data. The score follows the individual across borders, powered by PSD2 open APIs. Finclude enhances traditional credit scoring capabilities with an all-digital score that is based both on traditional creditworthiness assessment, but most importantly on machine learning models built on top of transactions and spending patterns. Finclude promotes the financial well-being of individuals and enables them to get fair access to credit, based on their up-to-date financial data.