About Us

We are thrilled to share the news that ITSCREDIT has once again earned a remarkable distinction—certification as one of the "TOP 5% BEST SMEs IN PORTUGAL" by SCORING for the year 2024.

Your guide to using AI to enhance risk assessment, improve profitability, and optimize the credit lifecycle. Learn about the latest trends, regulations, and innovations in AI-driven credit decisions.

In today's fast-paced financial environment, staying ahead means leveraging the latest in technology and innovation. ITSCREDIT is proud to introduce AI-driven digital lending solutions to revolutionize how financial institutions assess credit risk, make credit decisions, and monitor credit health. 

The question of whether to build a custom digital lending platform in-house or buy an existing solution from a third-party vendor is a significant one. Both approaches offer distinct advantages and come with their own set of challenges. This article explores the key considerations for each option to help you make an informed decision.

Discover the latest trends in the world of digital lending: from leveraging machine learning capabilities to ESG guidelines in the lending process.

We are delighted to announce our feature in the Winter 2023 edition of Technology Record! Here are some of the highlights of our feature:

Launch of a Cutting-Edge Digital Mortgage Journey

ITSCREDIT has a Performance Index and Financial Strength greater than 80%, which is only accessible to less than 5% of national companies.

Thanks to ITSCREDIT’s scoring features capabilities and other entities' cooperation, BLIK expands its portfolio of services and launches deferred payments. Selected customers of Bank Millennium have already used the BLIK Pay Later service as part of the tests.

The bank Crédito Agrícola, in partnership with ITSCREDIT, has made available on its digital channels a functionality that allows the integration of financial institutions’ partners in the credit ecosystem, allowing them to complete a credit application process in minutes.

Credito Agricola became one of the first banks in Portugal to move towards sustainability.

ITSCREDIT is a finalist for PAY360’s Fintechs Pitch LIVE in association with Mastercard!

ITSCREDIT was recognized as a semi-finalist at PitchIT Europe.

ITSCREDIT is one of the 5 Portuguese fintechs to be selected by aicep Portugal Global, and SOSA to Portugal Tech NYC.

Instead of just managing the environmental and social risks, financial companies have the opportunity to use sustainability principles to differentiate themselves in the market apart from their competition and aligned with their customers expectations.

ITSCREDIT is enhancing the digital lending capabilities and models, launching new versions for brokers and merchants.

Know more about what is Sustainable Finance, regulation, how to obtain information from SMEs and Standardization through technology. 

Banking Transformation Africa's Future of Payments focus day | Panel Discussion with Fintechs and Banks: How to Create Value Through Effective Partnership Collaboration.

ITSCREDIT is in the forefront of helping our partners provide a responsible, compliant and environmental friendly credit solution.

ITSCREDIT's intervention was to make available in the Digital Credit process, already implemented in Banco Montepio's digital solutions, a unique tool in the market, facilitating decision making by allowing the assessment and comparison of various financing options at a distance.

It has already been followed by First Calgary, Synergy and Encompass and there are still two dozen more organizations in Western Canada to go.

ITSCREDIT solutions are now seamlessly integrated in ebankIT’s omnichannel platform through its Marketplace.

Catch our demo on demand which shows the simplicity that our technology provides to your customers’ financial life management, allowing them to restructure their active loans with the autonomy they always desired!

Know more about the exciting new technology set to disrupt the payments industry in this fast-paced session.

ITSCREDIT is one of the selected startups for the Fintech 365 program!

ITSCREDIT is one of the selected startups for the Fintech 365 program!

How Embedded Finance Will Impact Lending

Discover how to accelerate the future of digital banking. 

Mapping the top of Portugal's Fintechs.

ITSCREDIT and Flinks partner to modernise loan applications

As a key partner for Microsoft, The Record Magazine asked us how we are helping banks optimize their payment processes and about digital survival in a post-pandemic world.

How digital signature completes a 100% digital credit process - from simulation to loan origination

Our Mortgage Solution, was among the five nominees for the 'Best Digital Mortgage Platform' award, given by the organization of Finovate, the most prestigious technology fair oriented to the financial sector worldwide.

This live webinar shows banks how to have their potential clients in real-time, to complete a 100% online credit application process in minutes.

João Lima Pinto on the Genie Advisor App and a New Direction for 2020

How our digital lending tools are perfectly suited to the new reality of remote banking.

ITSCREDIT nominated among the 10 best StartUps in the world. 

ITSCREDIT presented Genie Advisor: an innovative APP that helps banks' customers to achieve their short-term goals. 

ITSCREDIT enters the Canadian market through the country's largest credit union. 

In addition of being nominated for the "Best Use of IT for Lending" category, ITSCREDIT also has a software engineer, Micael Santos, as a candidate for the “Rising Tech Star” award. 

We're also included in the Top 30 of the "Portugal Fintech Report 2019", the largest study on the sector in Portugal. 

The strategy and impact of ITSCREDIT's solutions in the field of digital lending transformation at Crédito Agrícola Group, were highlighted at the conference "Innovation Summit: Innovation for Growth" of EFMA (European Financial Management Association), taking place in Paris, at the Pullman Paris Centre.

Through a partnership with ITSCREDIT, BNI Europa became the first bank to operate in Portugal to launch a credit card that presents the possibility of transferring the card debt of other banks with a 100% online application process and automated decision.

Our CEO, João Lima Pinto, is among the six nominees for the 'Executive of the Year' award, to be given by the organization of Finovate, the most prestigious technology fair oriented to the financial sector worldwide, on Tuesday, 24 September, at the Edison Ballroom, in New York.

Banco Crédito Agrícola, with the partnership of ITSCREDIT, has made available in its digital channels a functionality that allows the integration of credit protocols with partner entities, in order to allow special conditions to the associates of those entities, through the catalogs' availability of customized products.

The Portuguese spin-off ITSCREDIT is one of the most revolutionary emerging technology companies in the world that, from 20th to 23th May, was in Toronto (Canada) to participate in Collision, the technology conference that, according to Forbes, grew the most in North America.

Sara Martins, business developer of the Portuguese start-up ITSCREDIT, was distinguished last night in London as Rising Star Of The Year, in the scope of the Women in Credit Awards, awards given by Credit Strategy, a British magazine published since 1999 and specialized in the area of credit and financial services

Simplifying the lives of home buyers and putting an end to the countless trips to bank branches to obtain information and deliver and sign dozens of documents - this is the purpose of our app, whose potential was demonstrated at February 12 in London at the European edition of Finovate, one of the most prestigious financial technology fairs in the world.

ITSCREDIT has completed a completely online credit origination application, based on the "Flowcredit" product, for Banco BNI Europa.

On November 19th and 20th ITSCREDIT for the first time took part in the one of the most outstanding European events dedicated to innovation in financial services - LendIT Fintech Europe.

On the 15 th and 16 th of October, Efma held the Innovation Summit “Payments and Wallets” at the Altis Grand Hotel in Lisbon and ITSCREDIT was present in this event to speak about credit solutions in partnership with ITSector.

ITSCREDIT and ITSector are proud finalists for the Best Technology Partner international category of the Lending Awards 2018.

ITSCREDIT successfully showcased the disruptive credit solutions in New York, on September 24th, at FinovateFall.

On September 13th and 14th, ITSector was present at the World Class Digital Finance Transformation Conference in Frankfurt, organized by Manetch.

Montepio is one of the biggest Portuguese savings organization, commonly known for their banking activity and for being one of the oldest financial institutions in Portugal.

ITSCREDIT platform offers 100% online credit solutions and their overall implementation, counting on a specialised team with over 15 years’ experience and providing short implementation timelines.

Money 20/20 is a market-leading three-day event where the payments, FinTech and financial service industries come together to create ideas, partnerships, and discuss trends and future previsions. 

EU Gateway is an initiative funded by the EU, which aims to support European companies to establish business collaborations in Asian markets. 

ITSector launches spin-off in the credit area to boost international business. ITSCREDIT started the activity with 20 employees from Porto and wants to triple this number by the end of 2020.