Monedo Holding GmbH

Monedo Holding GmbH, formerly known as Kreditech Holding GmbH, is a German fintech company based in Hamburg.

Founded in 2012, Monedo specializes in digital lending, financial services, and credit decisioning technologies. The company rebranded in March 2023 to align with its global strategy aimed at enhancing financial freedom for underbanked populations. Monedo employs between 201 and 500 people and utilizes advanced technologies like machine learning and big data scoring algorithms to assess creditworthiness. Monedo offers a range of technology-driven financial services, including digital lending solutions, big data scoring technology, and a peer-to-peer lending platform. Its products cater to both consumers and businesses, providing personal loans, a digital wallet, and credit scoring APIs. The company targets underbanked individuals and small to medium enterprises, focusing on markets in India, Poland, Russia, and Spain. Monedo is recognized for its innovative approach in the fintech sector, particularly in alternative lending and credit assessment.