Provenir
Provenir is a US - contrast fintech-infrastructure provider (Credit risk & decisioning). Verified at source - licence, regulator and registry reference. Active
Who it's for
Provenir is built for lenders scoring credit risk and automating decisions. As an unlicensed vendor, regulatory obligations stay on the client's side.
Sovereignty profile
- Data residency (EEA): Partial - partly in the EEA - check the rail
- Company origin: US (US)
What Provenir does
Verified licence profile
Provenir (Parsippany, US) - AI decisioning platform for credit risk, fraud and compliance decisions, used by larger lenders and financial institutions. Contrast / US.
Verified 2026-07-12. How we verify → · Spotted something out of date? Report a correction. · Are you Provenir? Work with us →
European alternatives to Provenir
Algoan (Paris, France) - open-banking credit scoring and decisioning: analyses bank transaction data (AIS) to score creditworthiness for lenders, with partnerships including Worldline and Mastercard. Registered AISP (ACPR). A European, data-minimising alternative to classic bureau scores.
Creditinfo (Reykjavik, Iceland; founded 1997 as Lanstraust) - credit-bureau and decisioning group operating bureaus in 30+ markets; one of the few European players exporting bureau infrastructure globally.
CRIF (Bologna, Italy; founded 1988) - Europe's largest credit-bureau and business-information group: credit bureaus in 50+ countries, credit-risk analytics, decisioning platforms and open-banking-based credit assessment for banks and fintechs.
SCHUFA (Wiesbaden, Germany; founded 1927) - Germany's dominant credit bureau and the oldest in Europe: consumer and business credit scores underpinning most German lending decisions. Deliberately domestic (single-market) focus.
FAQ
Is Provenir European / EEA-based?
Partly. Provenir is US origin (US); part of its rail or data sits outside the EEA - check the licence profile.
What does Provenir do?
Provenir covers: Credit risk & decisioning. Verified at source by Fintechnologica.