Infodebit, the leading provider of credit information for consumers and businesses in Moldova, announces a partnership with Mifundo, the company building a unified infrastructure for cross-border credit data in Europe.
More than 45 million people in Europe manage financial lives that cross borders. Many relocate for work, return home after time abroad, or maintain income and obligations in more than one country. For lenders, evaluating these customers remains difficult because domestic credit histories rarely travel with them.
The collaboration between Mifundo and Infodebit helps close this gap. By linking Infodebit’s Moldovan credit and public-record data with Mifundo’s passportable financial-identity framework, banks gain a clearer, verified view of applicants whose histories span multiple jurisdictions.
“Infodebit plays an important role in Moldova’s credit ecosystem, offering reliable and well-structured information to lenders,” said Kaido Saar, CEO of Mifundo. “Connecting their data into Mifundo’s European network strengthens our ability to support banks assessing cross-border customers with accuracy and confidence.”
“Our focus has always been to provide realiable credit information that helps institutions make better decisions,” said Antonina Ceban-Bejenaru, CEO at Infodebit. “Through this partnership, Moldovan data becomes part of a wider European framework, giving lenders a more complete basis for evaluation and helping Moldovan citizens abroad access fair financial services.”
The partnership supports Mifundo’s mission to make banking work seamlessly across borders by creating a single, trusted source of European credit data. Together, the companies enable faster and fairer lending decisions for people whose financial histories extend beyond one country.
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About Mifundo
Mifundo provides Europe’s first standardised cross-border credit scoring system – reducing foreign-customer risk by up to seven times, unlocking a €719 billion lending market, and turning weeks of onboarding into minutes. Through one secure platform, banks can access verified credit data covering more than 70 percent of Europe’s population. As the revised Consumer Credit Directive (CCD II) raises expectations for consistent, data-driven affordability checks across borders, Mifundo helps banks stay compliant and enable fair access to credit for people moving within Europe. Recognised among Europe’s top fintechs by Mastercard Lighthouse and named Disruptor of the Year and Startup of the Year at the Europe Fintech Awards 2025, Mifundo is backed by the European Innovation Council, Tera Ventures, and leading tech investors.
About Infodebit
Infodebit Credit Report is Moldova’s digital credit-information bureau, providing lenders and individuals with fast, secure access to consumer and business credit histories. Founded in 2014, Infodebit aggregates payment discipline, public-record data, property and asset information, and judicial records, supporting responsible lending and financial transparency. Covering 88% of Moldova’s active population with a credit history and more than 500,000 credit checks monthly, Infodebit operates under national credit-bureau legislation and international data-protection standards, and is recognized as a trusted and reliable source for financial institutions across the country.