UK-based fintech Planky, a part of BKN301 Group, has secured €6.9 mn in funding to develop AI-powered financial decisioning technology and expand its international operations.
The investment was co-led by Innovation Global, advised by SM Capital, and funds under the Azimut Venture Capital Digitech Europe strategy, managed by Azimut Investments S.A.
- Planky, part of BKN301 Group, raised €6.9 mn in a funding round co-led by Innovation Global and Azimut Venture Capital Digitech Europe funds.
- The investment will support AI-powered credit underwriting, financial decisioning, spending intelligence and predictive risk monitoring.
- Following its acquisition by BKN301 in November 2025, Planky plans to expand its financial intelligence platform across Europe, the Middle East and Africa.
The Azimut funds receive strategic support from FNDX, an advisory firm specialising in mergers and acquisitions, strategic advisory and investment support for venture capital and private equity funds targeting technology-driven businesses.
Planky intends to use the new capital to expand beyond transaction-based credit intelligence and decision support, developing a real-time AI decisioning platform for financial institutions.
Planky expands AI credit underwriting and financial intelligence
The funding will accelerate product development across credit underwriting, financial decisioning, spending intelligence and predictive analytics.
Planky is developing technology that combines financial transaction data, alternative data sources and AI models to improve lending decisions and assess applicants who may not qualify under conventional credit scoring systems.
The company aims to make credit assessment more accessible to individuals and businesses with limited traditional financial histories.
According to research cited by Planky and attributed to the World Bank, combining alternative data with advanced analytics can enable lenders to assess more than 50% of applicants previously classified as non-scorable.
The platform is also being developed to identify changes in borrowers’ financial behaviour and detect early indications of financial difficulties.
Rather than relying exclusively on credit scores calculated at the point of application, Planky’s predictive risk models continuously evaluate borrower information, allowing lenders to identify potential repayment problems before defaults occur.
AI decisioning platform targets banks and digital lenders
Planky’s strategy extends beyond Open Banking analytics towards providing a financial intelligence infrastructure layer for digital banks, lenders and embedded finance platforms.
The company is developing AI systems capable of processing financial information continuously and supporting lending and risk decisions as new data becomes available.
Its proposed applications include automated credit assessments, financial risk monitoring and analysis of customer spending behaviour.
The investment follows Planky’s acquisition by BKN301 Group in November 2025, which brought the company into the group’s wider financial technology operations.
BKN301 operates across Europe, the Middle East and Africa, providing Planky with an established regional presence as it expands its products to international financial institutions.
The new funding will also support projects in the Middle East and development work with existing international clients.
BKN301 strengthens AI strategy across EMEA
Planky’s expansion forms part of BKN301 Group’s strategy to integrate AI into financial infrastructure and decision-making services.
Stiven Muccioli, founder and CEO of BKN301 Group, said the financial industry’s development increasingly depends on the ability to interpret and apply data rather than simply accumulate it.
AI is redefining what finance can be. The next era will be shaped not by who holds the most data, but by who understands it best, and we are building the intelligence that makes that possible.
Stiven Muccioli, founder and CEO of BKN301 Group
He added that the investment would accelerate development of technology designed to help financial institutions make faster, better-informed decisions.
Edoardo Guerrieri, partner at FNDX and strategic advisor to the Azimut Venture Capital Digitech Europe funds, said the investment reflects a focus on financial technology infrastructure with applications beyond individual software features.
“Credit is shifting from a score checked once to a risk read continuously, and Planky is already where that read happens for its clients,” Guerrieri said. He said BKN301’s regulated operations across EMEA provide a foundation for expanding Planky’s technology among digital lenders.
The €6.9 mn investment will finance further AI product development and international expansion, with particular emphasis on credit assessment, continuous risk monitoring and financial decisioning infrastructure.
