Habacus

Habacus is a fintech startup based in Milan, founded in 2017 by Paolo Cuniberti.

The company specializes in certifying students' academic performance to facilitate access to student loans without the need for collateral. By integrating academic data into banking systems, Habacus aims to make post-secondary education more accessible and sustainable, allowing students to convert academic credits into financial credit based on merit. The company offers a digital platform that connects students, banks, and universities. Its services include academic performance certification, which creates objective profiles for financial institutions, and student loan facilitation, enabling access to personal loans for tuition and living costs. Habacus also provides educational guidance to help students make informed study choices and collaborates with major banks, such as Intesa Sanpaolo, to support innovative loan products. With over 30,000 certified students and partnerships with more than 1,300 educational institutions and financial operators, Habacus is dedicated to empowering young talents and enhancing their employability.