Finclude develops a unique pan-European credit scoring system that allows businesses to assess consumers in a universal way based on their transactional behavior, regardless if they have a credit history or not. We assess people based on their affordability as derived by their ability and willingness to repay utilizing machine learning models on top of their day to day transactions and spending behaviors in real- time. Our models are forward looking, inclusive, able to serve all Europeans including the 200mil ones with no credit history and the 58mil ones with no access to credit.