Individuals with poor, thin, or non-existent credit profiles are excluded from the financial system because service providers can't assess their risk in the underwriting process. Vambora is a cross-border fintech startup building a global system for financial identity, bridging the gap between consumers and businesses.

Utilizing financial data, Vambora empowers consumers to paint a better picture of their risk profile, enabling them to have better access to products and services that require a credit check.

For businesses, Vambora offers a better and more scalable alternative to credit reports in the underwriting process. The Vambora risk profile gives service providers access to financial information such as income, real-time balance, investments and more directly from the consumers bank accounts. Vambora also helps its customers to quickly verify identity (KYC) and prevent fraud (AML).