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Ingka Investments makes minority investment in Kreditz
Ingka Investments 3 May 2023

Ingka Investments makes minority investment in Kreditz

Ingka Investments has made a minority investment together with Creades in Swedish based credit information startup called Kreditz, a Nordic market leader in credit scoring and verification services based on Open Banking and PSD2 data. The investment is part of Kreditz’s latest funding round with investors contributing to a total of €10 million of equity capital.

Founded in 2018, Kreditz helps banks and other financial institutions to analyse bank transaction data and get a 360 degree view of applicant profiles based on Open Banking and PSD2 data. By using bank transaction data as a foundation, the company aims to bring financial transparency and responsibility across the globe through automated information retrieval and analysis of a loan applicant’s current income and expenses.

"Open-banking-enabled credit and risk insights is an area we believe can add value to Ingka’s financial services proposition in the future. Financial inclusion sits close to our heart, and we are impressed with how far Kreditz has come in the short time they have been in the open banking market. Their innovative solutions drive better understanding of customers' finances while reducing credit risks, enabling better-priced financial services that are accessible to more of the many people"

– Peter van der Poel, Managing Director, Ingka Investments

The latest funding round will be used to accelerate the company’s growth and expansion into new markets.

"Right now, the market, which is still immature, is developing at a record-breaking pace. More and more customers, such as banks and loan brokers, see the need to have access to accurate and fully automated real-time data that can enable better and smoother credit decisions. In addition, regulations require moving away from template figures and using real customer information, Kreditz has a market-leading solution and we are pleased that such reputable investors as Creades and Ingka Investments share our vision of building a leading player in Europe in this area"

– Roni Zacharion, Kreditz CEO and Founder

Ingka Investments invests to fulfil the IKEA vision to create a better everyday life for the many people and invests in innovative companies that share our values and our ambition to have a positive impact on people and planet. It makes majority and minority investments in cutting-edge companies, including start-ups, that can create synergies or are important for our core business. This allows Ingka Group to be as relevant as ever with respect to our core business, and to broaden our investment landscape and diversify our financial risk and return profile.


About Kreditz

Kreditz was founded in 2018 and has obtained the Account Information Services license from the Swedish FSA. The company’s products are based on Open Banking & PSD2 technology and help banks and financial.


About Ingka Group

With IKEA retail operations in 31 markets, Ingka Group is the largest IKEA retailer and represents about 90% of IKEA retail sales. It is a strategic partner to develop and innovate the IKEA business and help define common IKEA strategies. Ingka Group owns and operates IKEA sales channels under franchise agreements with Inter IKEA Systems B.V. It has three business areas: IKEA Retail, Ingka Investments and Ingka Centres. Read more on

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Ingka Investments makes minority investment in Kreditz

Ingka Investments makes minority investment in Kreditz

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Peter van der Poel, Managing Director at Ingka Investments

Peter van der Poel, Managing Director at Ingka Investments

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