In this episode, Koen is joined by Kaido Saar from Mifundo to explore why Europe’s fragmented credit data system continues to block fair lending for people who move across borders and how Mifundo is working to make financial identities truly portable. The conversation unpacks the difference between cross-border credit and real financial mobility, tracing the historical and regulatory forces that have locked credit data inside national silos.This discussion also dives into how Mifundo now connects banks and credit bureaus across 17 countries, covering more than 70% of Europe’s population, and what mindset shift lenders and supervisors need to support seamless lending while also tackling how AI can be used responsibly under the EU’s high-risk AI rules - delivering explainability and trust without black-box decisions. This episode therefore offers a practical look at the endgame: fair, borderless access to credit that works for consumers, banks and the wider financial ecosystem.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about FinTech Belgium and Digital Finance Summit.Follow us on LinkedIn.#FinTech #RegTech #Scaleup #WealthTech

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“What did the council decide on item 42?” — answered with the speaker and the moment.

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