Monthio

Our solution digitises the creditworthiness assessment process — giving banks, consumer finance, and auto finance companies a clearer view of applicants' financial situations, while ensuring compliance with local regulations. This means quicker decisions, less risk, fewer defaults, and a better experience for customers. We work with leading banks and lenders across the Nordics, and through partners, we are live in Spain. Soon we are expanding to new markets in Northern Europe. With Monthio, you get: Automated creditworthiness assessments A smoother application journey for customers A complete overview of customer finances, based on actual bank transactions which is cross-validated with trusted data sources Greater efficiency and a healthier bottom line A dedicated solution partner with a strong data insights and development team We’re headquartered in Copenhagen with a growing team of finance, data, and tech specialists — including highly experienced senior profiles who have built and scaled companies before. Our board consists of seasoned leaders with extensive experience from the banking, fintech, and technology sectors, as well as from scaling companies. They play an active role in shaping our strategy and ensuring we grow with both ambition and discipline. We’re backed by EIFO (The Danish Export and Investment Fund) and North Ventures, who trust our vision to reshape credit decisioning across Europe. Ready to see what Monthio can do for your business? Get in touch.