The FAIRTILE’s vision is that everyone must have the opportunity to access credit and means of financing in a fair way. We exist to create a new Fair and Digital Credit experience. The Digitalization of our Society opens the opportunity to shift the current paradigm, but technology and science need to be addressed in the right way. It is nevertheless imperative that mankind harnesses and direct the Digitalization’s power into providing practical solutions for human needs and prevent it from feeding human greed for power and wealth.

Our mission is to make the world a better place delivering to Lenders and Borrowers the next generation of digital technologies to enable financial inclusion and unlock the value of data as the new currency.


Higher approval rates, lower default. Our big data underwriting model provides a significant improvement (some populations up to 40%) over the current best-in-class industry score. That translates into more accurate credit decisions, which leads to increased credit availability for borrowers and higher repayment rates for lenders, better end customer risk and pricing models.


Borrower benefit from better pricing strategies, with Lenders able to review their conditions ongoing and at the same time improve cross selling of new products and top up on existing products to increase credit lines or satisfy opportunities and needs.


Our Fraud Engine distinguishes real customers from fraudsters ensuring that Lenders know exactly who they are transacting with. We enable the capability to significantly reduce fraudulent transactions with a strong benefit in term of costs and security for both Borrowers and Lenders.


Using our solution, collectors can easily determine the best approach for each single customer fairly, considering more than just the partially available historical credit data. We allow a fair relationship with more support for Borrowers and more time effective performances at lower resource costs for Lenders.


Our algorithms thus go beyond the traditional, mono-disciplinary approach in understanding human behaviours. It is a genuinely interdisciplinary solution that combines Decision Science, Psychology and Sociology in all their different facets.
For the first time in our history, it is possible for machines to learn from experience and penetrate the complexity of data to identify associations. Natural Language Processing, Computer Vision, Speech Recognition, Machine Learning and Artificial Intelligence have moved from experimental concepts to potential business disruptors. For decades, companies have dealt with information in a familiar way, deliberately exploring known data sets to gain insights. Artificial Intelligence can push past the limitations of human cognition, allowing us to process and understand big data in real time, undaunted by exploding volumes of data or wild fluctuations in form, structure, and quality.

About US

We use specific applications to identify Psychological, Sociological, Emotional and Behavioural profiles of people drawn up by analyzing data from the main social networks and digital sources. We take the rigour and clarity of game theory and economics and combine these disciplines with human factors including bias, emotion and bounded rationality.

Enable Financial Inclusion

A fundamental issue is that many current models and decision processes in both high income and developing markets rely heavily on historical financial data input for the consumer. For many individuals globally, this “traditional data” inputs is simply unavailable or too weak to make a consistent decision, leaving it to the risk appetite of the credit provider. However, promising substitutes for traditional measures are emerging. So-called “alternative data” from digital footprints offers new approaches to decision making processes. As a greater share of modern life is encoded into data streams, Big Data tools can enhance the capabilities of a wide range of retail credit providers through Artificial Intelligence algorithms that get smarter over time, building stronger predictive models as they gather customers and data touch points.

  • Many people in the developed and developing countries have uneven access to banking-type services. That includes the ability to save, borrow, spend and insure.

  • Global loss rate due to frauds of any type is 5,9%. (source: PKF Littlejohn LLP)

  • More than 1 out of 4 applicants aremis-classified by traditional credit scoring techniques, generating wrong decisions. (source: our market experience)

  • IT 17%, UK 2,5%, ES 7%. Non performing loans are unevenly spread around european banking system. (source: EBA risk dashboard, 2015)

We have extensive experience in the Consumer Credit Life Cycle. We can now evaluate psychological, sociological, emotional and behavioural identities through digital footprints and portray them into meaningful variables to better understand the behaviour in the consumer credit life cycle. This can be beneficial as new or integrative information for any existing provider of Consumer Credit. The aim is to provide new tools to identify their customers; adapt their information range to serve their customers better and adapt their current processes with new and complementary information sets associable to any part of the credit life cycle. This can generate ways of increasing business opportunities or means of reducing bottom line cost.






NGO & Charities


FAIRTILE is envisioned by pragmatic dreamers with average 20+ years experience in the fields of IT, multi industry retail credit, semantic and psychometric studies and management consulting with a supporting backend of smart, driven data scientists, programmers, data engineers, socially active young professionals who care about getting it done, and the relationships we build. We have a passion for our clients but most of all our clients' clients who need to be served best in order to acheive real results. We have a pragmatic drive for solving real life problems and making them easily executable at a commercial level. We rally clients with our infectious energy, to make change stick.

Our executives follow a line of people who have steered Financial Services, Information Management and Data Science from the 20th century into the 21st.

We balance challenging status-quo and co-creating with our clients. We aim at building the internal capabilities required for clients to create repeatable results. We enjoy what we do and laugh a lot ... mosttly at ourselves.

It feels different to work with us.


Guido FCCA and MBA 15+ years in Mgt Consulting, Financial Mgt multi sector and Start ups


Corrado has spent 30+ years as manager, director and consultant in the retail credit industry, pioneering the introduction of credit scoring and data driven decisioning in Italy.


Giuseppe has spent the last 25 years pioneering the language and conversational technology for human-machine interaction systems.


Cristiano is a banking executive and a Fintech entrepreneur with 15 years in Top Tier international Banking Groups leading transformation & innovation.


We have several young dynamic and zesty professionals working on IT infrastructure, programming, data interpretation, semantic correlation and credit variable analysis as well as making sure the company runs into the future. Without all this energy this would not be possible.


We are in the development phase of a commercial focused workflow and algorithm. We constantly seek input feedback and resources to achieve our many and ambitious objectives.

We would genuinely love to hear from you. Call us on +44 (0)20 3369 3370, tweet us @FAIRTILE or contact us directly.