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瑞典金融科技初创公司Anyfin获A轮480万欧元融资

国际资讯投融资

瑞典金融科技初创公司Anyfin获A轮480万欧元融资

近日,总部位于瑞典斯德哥尔摩市的金融科技初创公司Anyfin获A轮480万欧元融资。领投方为Northzone和Accel Partners,跟投方为Global Founders Capital。

金融科技初创公司Anyfin成立于2017年。其业务可以轻松的用你的存量贷款进行再融资,并且不会受到高利率或是复利的影响,就像自拍一样简单。该项目目前只在瑞典国内上市,计划今后向整个欧洲推广。它声称之所以可以这样做是结合了人工智能和公开可用的消费者数据,并通过客户的还款记录,获得了额外的信息。

众所周知,无论是信用卡、贷款还是分期付款,消费者别无选择的被迫支付了太多的资金。而Anyfin公司要做的就是将这个过程数字化,替消费者们省下一大笔钱。消费者所要做的只是拍下他们信用卡账单或贷款账单的照片,发送给Anyfin,剩下的事情就交给Anyfin了。当Anyfin接收到客户给他们发送的图片时,来使用OCR获取他们需要的数据,通过运行风险算法,给出各个消费者不同的报价。通常情况下,它们能够将融资成本削减一半以上。这家瑞典金融科技初创公司声称,通过自动化其流程(包括信用评分)和剔除中间公司,它们能够保持一个低成本和低利率的优势。

Anyfin, a Swedish startup that offers to refinance consumer loans and credit card debt using a combination of artificial intelligence and a photo of the current statement and repayment terms, has bagged €4.8 million in Series A funding led by Accel and Northzone.

Launched in November 2017, Anyfin's founders Filip Polhem, Mikael Hussain and Sven Perkmann, have extensive experience in consumer finance, assessing credit risk and technology, having previously held leading roles at some of Sweden’s top tech companies, including iZettle, Klarna and Spotify.

The company uses publicly-available consumer data to assess the creditworthiness of customers and promises refinancing of existing loans within seconds upon receipt of a photograph of the existing loan statement, including repayment history.

Consumers can send Anyfin the picture through a channel of their choice, like SMS, email or Facebook Messenger, and the company replies with an option to refinance the loan at a better price. With one tap, the consumer accepts the new option from Anyfin, and the company takes care of settling the existing loan for them.

Mikael Hussain, CEO and co-founder of Anyfin and former head of credit risk at Klarna says: “In the Nordics and across continental Europe, consumers are paying way too much for finance - often in excess of 25% annually on part payments and credit cards, even those with good credit scores. Anyfin makes it as simple as possible to refinance a loan, setting a new standard for fairness and transparency.”

He says the investment will be used to help accelerate Anyfin’s growth in its home territory, which includes building its balance she


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