AI-Native Financial Intelligence
Clarity in complex
financial decisions.
Fimento combines Open Banking, company registries, custom data and accounting data through purpose-built AI agents, turning fragmented information into clear, explainable recommendations.
The problem
Credit decisions built on incomplete pictures.
Sounds familiar
Most teams are working with a single-source score and a spreadsheet.
Commercial lending, real estate and M&A due diligence all share the same bottleneck: the data exists, but it lives in five different places. Credit bureaus gives you a static score. The accounting data is manual. Bolagsverket is a separate lookup. Nobody connects the dots.
When a decision is later challenged, by a regulator, a board, or a client, there’s no trail. No reasoning. Just a number.
Introducing
AI-Native
Financial intelligence
Fragmented data
Fragmented data.
Static score.
- Single bureau score
- No real-time transactions
- Manual data compilation
- No context or reasoning
- Hours to complete
- No audit trail
Fimento
All sources.
One clear answer.
- Open Banking + Bolagsverket + Accounting + Custom
- Live transaction patterns
- Automatic cross-source analysis
- AI agents with contextual reasoning
- Seconds, not hours
- Full, traceable audit trail
- List Item #2
How it works
Three steps to a clear credit decision.
01.
Connect
Live data from Open Banking, Bolagsverket, Accounting APIs, Credit bureaus, and custom data all unified automatically. No spreadsheets, no manual pulls.
02.
Agent analyses
A purpose-built AI agent reads all sources simultaneously, cash flow patterns, ownership structures, liabilities, seasonal signals, the way a senior analyst would.
03.
You decide
A score, a recommendation, and the exact signals behind it. Your credit officer owns the final call, faster and with full confidence.
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Security & Compliance
Trust is built on transparency. At Fimento, security and regulatory compliance are embedded in everything we do, from data architecture and AI workflows to audit trails and governance frameworks.
We are AI Act compliant by design, with built-in explainability, traceability and human oversight at every step. Our security posture is independently verified through Platinum CyberVadis certification and ISO 27001/27701, ensuring your data is handled with the highest level of integrity and protection.
We don’t treat compliance as a checkbox, it’s a competitive advantage and a promise to every client we serve.
Specialized agents
Built for the decisions where stakes are real.
Fimento serves the markets where financial decisions are complex and the margin for error is low. Each agent is purpose-built for its domain, not a generic tool retrofitted for finance.
Commercial Lending
SME credit decisions combining live transaction behaviour with company registry data and accounting APIs.
Real Estate
M&A Due Diligence
Enterprise Credit
Group-level credit analysis across subsidiaries and ownership structures, built for high-stakes decisions.
See your data
tell the truth.
30-minute demo. We run a live Fimento analysis on a real use case from your business.
