fiinu Information

Fiinu Plc (AIM: BANK) is a UK-listed fintech and the creator of the Plugin Overdraft® — an Open Banking-enabled, white-label banking technology designed to help banks acquire and serve customers without requiring them to switch their primary banking relationship. Plugin Overdraft® combines permissioned Open Banking transaction data, proprietary AI-driven risk models, Effective Disposable Income (EDI) affordability assessment and credit bureau data to support responsible, real-time credit decisioning. Our technology enables partner banks to offer customers a digital current-account and arranged-overdraft proposition while allowing them to keep their salary, Direct Debits and everyday banking with their existing bank. Our approach is credit-first: an immediate customer need can become the starting point for a new banking relationship, rather than credit only being offered after a bank has already won the primary current account. Fiinu provides its technology to banks and financial institutions on a white-label basis in the UK and internationally.