New Podcast Episode: Cross-Border Credit and Financial Mobility in Europe

In this episode, Koen Marcel K Vanderhoydonk is joined by Kaido Saar from Mifundo to explore why Europe’s fragmented credit data system continues to block fair lending for people who move across borders and how Mifundo is working to make financial identities truly portable.

The conversation unpacks the difference between cross-border credit and real financial mobility, tracing the historical and regulatory forces that have locked credit data inside national silos.

This discussion also dives into how Mifundo now connects banks and credit bureaus across 17 countries, covering more than 70% of Europe’s population, and what mindset shift lenders and supervisors need to support seamless lending while also tackling how AI can be used responsibly under the EU’s high-risk AI rules - delivering explainability and trust without black-box decisions.

This episode therefore offers a practical look at the endgame: fair, borderless access to credit that works for consumers, banks and the wider financial ecosystem.

Listen to the podcast here