Received: from AMS0EPF000001A7.eurprd05.prod.outlook.com
 (2603:10a6:20b:218:cafe::b1) by AM8P189CA0028.outlook.office365.com
 (2603:10a6:20b:218::33) with Microsoft SMTP Server (version=TLS1_3,
 cipher=TLS_AES_256_GCM_SHA384) id 15.20.9769.52 via Frontend Transport; Thu,
 16 Apr 2026 10:13:29 +0000
Received: from AM8P189CA0028.EURP189.PROD.OUTLOOK.COM (2603:10a6:20b:218::33)
 by GVXPR02MB10713.eurprd02.prod.outlook.com (2603:10a6:150:156::8) with
 Microsoft SMTP Server (version=TLS1_2,
 cipher=TLS_ECDHE_RSA_WITH_AES_256_GCM_SHA384) id 15.20.9769.48; Thu, 16 Apr
 2026 10:13:29 +0000
Received: by mail-ej1-f52.google.com with SMTP id a640c23a62f3a-b9c280322e0so959350966b.0
        for <info@rahandusministeerium.ee>; Thu, 16 Apr 2026 03:13:27 -0700 (PDT)
Received: from mail3.rit.ee (213.184.59.150) by
 AMS0EPF000001A7.mail.protection.outlook.com (10.167.16.234) with Microsoft
 SMTP Server (version=TLS1_2, cipher=TLS_ECDHE_RSA_WITH_AES_256_GCM_SHA384) id
 15.20.9769.17 via Frontend Transport; Thu, 16 Apr 2026 10:13:29 +0000
Received: from GVXPR02MB10713.eurprd02.prod.outlook.com (2603:10a6:150:156::8)
 by AS8PR02MB10217.eurprd02.prod.outlook.com with HTTPS; Thu, 16 Apr 2026
 10:13:38 +0000
From: "Kaisa Pilnik" <kaisa.pilnik@mifundo.com>
To: "Kaisa Pilnik" <kaisa.pilnik@mifundo.com>
Subject: =?utf-8?Q?Rumeenia_pank_kasutab_Eesti_fint?=
	=?utf-8?Q?ech=E2=80=99i_piiri=C3=BCleste_krediidiandmet?=
	=?utf-8?Q?e_hindamiseks?=
Date: Thu, 16 Apr 2026 13:13:13 +0300
Message-ID: <CAKzoRq5Yb85dVSAs0x_rMWAgBLoNiO5=iYARWnuypO466r0bAw@mail.gmail.com>
MIME-Version: 1.0
Content-Type: multipart/alternative;
	boundary="----=_NextPart_000_003E_01DCCDA8.3097D950"
X-Mailer: Microsoft Outlook 16.0
Thread-Index: AQGVmQVsZD8iRXSmq/ijA8AH3mqhfQ==
Authentication-Results: spf=softfail (sender IP is 213.184.59.150)
 smtp.mailfrom=mifundo.com; dkim=pass (signature was verified)
 header.d=mifundo.com;dmarc=pass action=none
 header.from=mifundo.com;compauth=pass reason=100
X-CSE-ConnectionGUID: LGrKyTslSjCSmmSUsoBVjQ==
X-CSE-MsgGUID: RqrRQqAEStKZKfYjNgWDUQ==
X-ThreatScanner-Verdict: Negative
X-IPAS-Result: =?us-ascii?q?A0FsBADnteBpfDTaVdFCGIUagQeBEgQkMIRYgSOCLI9Rl?=
 =?us-ascii?q?hqHfANVAg8BAQEBAQFQDQQBAQMBA4UAjS8gBwFLAQIBAgEBAQEBAwIDAQEBA?=
 =?us-ascii?q?QEBAQEBAQELAQEBBAEBAQIBAQIEAwEBAQECEAEBIhkHDhIphk8NgkUMA0Jxg?=
 =?us-ascii?q?SUBAQEBAQEBAQEBAQEBAQEBAQEBFwIZGTlJHQEBByYCCRgJBCAXAiMSAQUBI?=
 =?us-ascii?q?hODA4IiAQZKFJl6nD6BMoEBggwBAQYEBQF+2yKBZwkWhyiCZgGBXwECDoN2h?=
 =?us-ascii?q?BB6Nlk5Q0SBSoUFgQ8CAhiBAXKDLoJpgRKBFIEOiW8VhHMmJgMHBw4rRg4BI?=
 =?us-ascii?q?QMmMywBVRMXCwcFgWYBAgGBBW4yHYEjPhcILFgbBwWBS4J6ggN0bYETg1qBC?=
 =?us-ascii?q?wMLYgs9NxQbSosvIoJ3exSoBqBgNAeEHwWBWQYMii6VVDOqa5MphV2OCZsnN?=
 =?us-ascii?q?RKBSl6BIDMaI4EBBoIwCAFGAxkPji0Wg1/AaXU9AgIBBAIHAQoBAQMJAQGBV?=
 =?us-ascii?q?GSEDgWLUYFLAQE?=
X-Talos-CUID: 9a23:9w3Ld2OqaxSvHu5DfAZ9118oAcQecFbmyXLrHlS/I1hrcejA
X-Talos-MUID: =?us-ascii?q?9a23=3Aae0TQA+TZcCrl+ORkOkXxfqQf/1x+Z6XEWkgqok?=
 =?us-ascii?q?lieqKBC5WNAixsQ3iFw=3D=3D?=
X-IronPort-Anti-Spam-Filtered: true
X-IronPort-AV: E=Sophos;i="6.23,181,1770588000"; 
   d="scan'208,217";a="37865485"
X-Amp-Result: SKIPPED(no attachment in message)
X-Amp-File-Uploaded: False
x-ms-traffictypediagnostic: AMS0EPF000001A7:EE_|GVXPR02MB10713:EE_|AS8PR02MB10217:EE_
X-MS-Office365-Filtering-Correlation-Id: b0f2e008-ad78-4bdc-e69c-08de9ba0ce8e
X-MS-Exchange-Transport-CrossTenantHeadersStamped: GVXPR02MB10713
X-MS-Exchange-Organization-ExpirationStartTime: 16 Apr 2026 10:13:29.5733
 (UTC)
X-MS-Exchange-Organization-ExpirationStartTimeReason: OriginalSubmit
X-MS-Exchange-Organization-ExpirationInterval: 1:00:00:00.0000000
X-MS-Exchange-Organization-ExpirationIntervalReason: OriginalSubmit
X-MS-Exchange-Organization-Network-Message-Id: b0f2e008-ad78-4bdc-e69c-08de9ba0ce8e
X-EOPAttributedMessage: 0
X-EOPTenantAttributedMessage: 8fe098d2-428d-4bd4-9803-7195fe96f0e2:0
X-MS-Exchange-Organization-MessageDirectionality: Incoming
X-MS-PublicTrafficType: Email
X-MS-Exchange-Organization-AuthSource: AMS0EPF000001A7.eurprd05.prod.outlook.com
X-MS-Exchange-Organization-AuthAs: Anonymous
X-MS-Exchange-AtpMessageProperties: SA|SL
X-DisclaimerOO: 1
X-MS-Exchange-Organization-SCL: -1
X-Microsoft-Antispam: BCL:0;ARA:13230040|82310400026|43022699015|55112099003|8096899003|13003099007|19002099003|56012099003|16102099003;
X-Forefront-Antispam-Report: CIP:213.184.59.150;CTRY:EE;LANG:et;SCL:-1;SRV:;IPV:NLI;SFV:NSPM;H:mail3.rit.ee;PTR:mail3.rit.ee;CAT:NONE;SFS:(13230040)(82310400026)(43022699015)(55112099003)(8096899003)(13003099007)(19002099003)(56012099003)(16102099003);DIR:INB;
X-MS-Exchange-CrossTenant-OriginalArrivalTime: 16 Apr 2026 10:13:29.3493
 (UTC)
X-MS-Exchange-CrossTenant-Network-Message-Id: b0f2e008-ad78-4bdc-e69c-08de9ba0ce8e
X-MS-Exchange-CrossTenant-Id: 8fe098d2-428d-4bd4-9803-7195fe96f0e2
X-MS-Exchange-CrossTenant-AuthSource: AMS0EPF000001A7.eurprd05.prod.outlook.com
X-MS-Exchange-CrossTenant-AuthAs: Anonymous
X-MS-Exchange-CrossTenant-FromEntityHeader: Internet
X-MS-Exchange-Transport-EndToEndLatency: 00:00:09.3128390
X-MS-Exchange-Processed-By-BccFoldering: 15.20.9769.044
X-MS-Exchange-ExternalInOutlookResult: NotEnabled
X-Microsoft-Antispam-Mailbox-Delivery: ucf:0;jmr:0;auth:0;dest:I;ENG:(910005)(944506478)(944626604)(4710137)(4717077)(4999163)(920097)(930201)(20251009189)(140003);
X-Microsoft-Antispam-Message-Info: =?us-ascii?Q?fU6qCFfzxOZ58W0U7aVgcFHDr/fEZGNYDY/uv1yTOTIXrDnDx8gvpECvZp25?=
 =?us-ascii?Q?NlnV1KHfk7AkOgNrZDeuv3Zt/oGFQcmsPn0z22EY7VJ300XoBWFUbWWtEojA?=
 =?us-ascii?Q?gwmySQ1NH9LIsAqkM5LZmrOJ4qx0/Sw5OOCrK5rHnYTbii9xvHiuw0OtHtZe?=
 =?us-ascii?Q?l73odfVJRZD6yrjTsuLFm1hgTs+Y57Um9x35iumJtENiY/B43xlhBsZ7SIn2?=
 =?us-ascii?Q?GZwGzHw9HyzQOwx+ODbg/U2dhO8YwghRMlkfjbPDzhU1H7Q60JRD62QtRetk?=
 =?us-ascii?Q?A1yiQ+gXWJ/fom/UiSiWiAiPhfz9fswsCReFBZPAEGsilHES4Ur9z/OMkTab?=
 =?us-ascii?Q?cXvEflLAupME0A+xyZjkAoQ0qeatrCRk3e7V5SHe/OmpOh+fuYW0xcPuV8if?=
 =?us-ascii?Q?k6th1Ye7iNF6uOaTiOUI/ZiM5ao6eJa309NDhJ/BMCmdZjtp+0T7M9a2B17Q?=
 =?us-ascii?Q?GEBvTksxKQ314mHXNpGAy5UUtHNWMM8MUssdAPdz4hdG3msD9sTcpwHQRB7W?=
 =?us-ascii?Q?VNigbnViXh2ihz0xKP7BKgLVxa4ulZjcYREEGL/IzY62lYQvAbTSDsXyfesj?=
 =?us-ascii?Q?ARjl3YeF4OwEAX1IHHv7LGt11CCRNI584OvyCBLE0zDoOxv1+rooEe4h7QCD?=
 =?us-ascii?Q?U7PsUs9+SgrieceJdI31dCHm4JKri+rLWRcUAFC//q0mUMujbw1QsBRxKXy3?=
 =?us-ascii?Q?9zEMCJELTgGVb8GPd1z6vkVVC7VqHWQRq+jI9yKzkvv4gJYEsYa
	dkvUiVrB0?=
 =?us-ascii?Q?Hs7K2T3ZNN1WQA6YbVTFOvWk9XI3cFCC6B+1pOoAbFfEHw2q3GLd8Sa0CPmd?=
 =?us-ascii?Q?h08xRBFI24nIXk+ZNTcVCQkbqpFZakFuhIQVy+C1xZbMvDWa3vqSah6La2FR?=
 =?us-ascii?Q?UB3KJtsFjv66IcHdYLWNkuZNFWpj6mvZV186Kzggu0+ZHSFFo6mEEjHEAPWR?=
 =?us-ascii?Q?fJWE5YoWQXaVcqtUA/VC8igRF71rCkOS0dX4iTol2JGyW4nrqjhxY2NuxcNd?=
 =?us-ascii?Q?Rz3IZveq1qXnAOtU0jl/fxF0TmiOjMdAG+tKPnabRIYwkvOWhB35lwIAK5Qa?=
 =?us-ascii?Q?l0Pa9pOfL6+FuOUHjThUEqde3qY7QbvmJQXUP023KbaRdKGTGhIWm8p/F/uZ?=
 =?us-ascii?Q?J+8y3Iky/cumQIDhgApVEVqK8ShX7nD15yOfT0DSoyy2OXl0b/spE4jozcd+?=
 =?us-ascii?Q?XAwKlvitGcRNxctlIQnOB7Kt6WPQoTQEPPNS9grmhdTS7rLe7C4EtYPVww7H?=
 =?us-ascii?Q?422FYzvmAZVha0F+E9puwIfkowMwNG2LnnSSdDR4Wl6/aXclYy+ECGMF8Ty6?=
 =?us-ascii?Q?vPZXjTWq5OVGEPQl7wha5E22g/gQyLTC3SRtJSvnKVGVmML5qHDTLJobzD+h?=
 =?us-ascii?Q?w1vBX59aZdue33jNL/Ypl+DTttFuaKnb1NbMNIJY0a4LcT9NMM/aVGuzGlvK?=
 =?us-ascii?Q?wiBgHO/ASzgRqc04tOxpWZ3ulqwAlG9haXJcsXTyUX4DTs8CXRPiOhxSeddt?=
 =?us-ascii?Q?5iMAFYZEsANwPjlEmE8BggAMbcyy+bvubJ7+i
	iDxu1tm9/3ilfPpVF9NyiFA?=
 =?us-ascii?Q?YIg4h4cbMMjmCzCIHnw5K/KzBHtnVai3tT+p5nyluYqbkZIL7nI2RhfXcmYh?=
 =?us-ascii?Q?X7epbEjb3BeDk0G7uUXQqzndYeOHsYTWpPNR5QBilPgWMnreyetRIMO82Azr?=
 =?us-ascii?Q?djXZieiHN07K4mRda/DHosNPvN10uZkqUS4luO+4ZS5YBk0HFeN1REXZbRae?=
 =?us-ascii?Q?EeWiHLVjLFlKisXF6oo9IuCCKHIduEVVjurXitOdwpBNdA4CYXu9vm+HvYsO?=
 =?us-ascii?Q?QwovbRGE3PYtgk1CAvc0arSoQXmm6sVCjypi7uVmmmgCWNEuK1+IEI2no08B?=
 =?us-ascii?Q?im1+1CskxKnjAbGQ12DhdRs/y3i9iM/fVumcDPyIClcFsksYpvK8tUF2ilGf?=
 =?us-ascii?Q?mtCDVU4t8/JD7BH/50hxAqldoI+T0cIHXZow05CV/MhovaMTufvH3nMIvSn/?=
 =?us-ascii?Q?2cmfI6wUWTObJILiPq5yEMgX5nIyplOtedbeoUXTNjCiFJUtMnEbo9vPoXjj?=
 =?us-ascii?Q?BsbSIJMh+z9GaSKz45Ezbu1teY8+jJtP/ULtVQ0NSzl2+7keTS6idxtSqwqd?=
 =?us-ascii?Q?4Ik3mj4YesVfkRgaBoOUZPwgsrg5IlSghiEMMxOY8c6/LrzoEvgZWTgHTVVa?=
 =?us-ascii?Q?ycX2SCSoSiA5XnUfrSsfkubthzZXlykaXZc59MBt6rUXqdwiH1x1GyXKSRdj?=
 =?us-ascii?Q?/WIXlKjLvJnKY6AHsCQQgTEMzwAnCCHhbcJst2hEtg0IQYxctdOim7HVO2FY?=
 =?us-ascii?Q?MTmtbnJzYWGBYltL0wu7gj3
	JNasg3rNbJI09dcr0qg5lyAqq5TegKH5Z2kgc?=
 =?us-ascii?Q?qZAjtrcjvGnfj3nOJ9qgeDyq0kCEsTFq+ZnmG1BecN4g+h/e8sO04mZ/XeAR?=
 =?us-ascii?Q?QyxNbn6/QGrH1qdnyF67afBtcMnWeAN0KStgrYCy/0Ubxt3PJh5NdKzAWMkI?=
 =?us-ascii?Q?9nW2X6EYG4yJP+XgHUesj0j5q1YlXyQMqCMubObWcnOL1RxGcYrfiqAh7PPr?=
 =?us-ascii?Q?zzAsGj2Bl4pgfrbb0SlWh5JYeh+jNMancgtvAYS7tYWw+GpeDXqxHMVHVq3Y?=
 =?us-ascii?Q?o1qOvgBO5gfXykzvLL7VHyL5XAty0UsUBF/kaORrIfhdq/jheXWpc0Kfga2I?=
 =?us-ascii?Q?hnTwJc4EbP/mF8PuKZOFYfBSjMe0QaNBKGMXkJ7z75KtYrPx/401rx64BLYU?=
 =?us-ascii?Q?euLjd0BqwPERjY5h89nMHwwiIxSV+ejmGfcHu0ZtzedP4ozoK1gpnsJ1IDUu?=
 =?us-ascii?Q?xOlMLYsLhArCNBlMCUuRZDRpJCrthErz58xkLBmbikYuIAytMr11QDqJkgCQ?=
 =?us-ascii?Q?uqcetXe2rx/sQaYT/GhhIOcmyegLf4V3VJ51NpStjlJnC+k68dPVfdlUh8tq?=
 =?us-ascii?Q?AVE5z/s/M3jiKguJlOQUc0BV3ddCMYwlZE/LOgtzmHP52hu/lNq0/+J3issn?=
 =?us-ascii?Q?B/JVaD44qNxlxWXJXFMvW3LdGyMsIzmVd4DsrJbU8LlbV3Cf04S/fOaUAUdA?=
 =?us-ascii?Q?EC5d7vXTbKne5eAsk+4U01gLNYHlyg=3D=3D?=
Content-Language: en-us
x-ms-exchange-organization-originalclientipaddress: 213.184.59.150
x-ms-exchange-organization-originalserveripaddress: 10.167.16.234
received-spf: None (mail3.rit.ee: no sender authenticity  information available from domain of  postmaster@mail-ej1-f52.google.com) identity=helo;  client-ip=209.85.218.52; receiver=mail3.rit.ee;  envelope-from="kaisa.pilnik@mifundo.com";  x-sender="postmaster@mail-ej1-f52.google.com";  x-conformance=spf_only
dkim-signature: v=1; a=rsa-sha256; c=relaxed/relaxed;        d=mifundo.com; s=google; t=1776334407; x=1776939207; darn=rahandusministeerium.ee;        h=to:subject:message-id:date:from:mime-version:from:to:cc:subject         :date:message-id:reply-to;        bh=cTGXO5w9t8bcav1bRo/d6VH8hDAfNogBN5BRh9rlTgg=;        b=KEjPdDc8JPTK+ibEK1b7r1Biz4nWEJczWLv6cxCcVyPvRgIYPz8I+5aFKo6i4Bgehf         rG8DUqhHeV+nBUjRX8zk0V64SRIcqNHA/ktyenm6lxCwNwrnYgT+mOyT2VtDjETBMkXJ         dDly+T6MpC+gygwV95I34p8s5mZmECk5R2mEZ3huQDSkb687Ijk9FBBwWePZG1scrMTD         RUqG8psvLJK1VBgfQjVb6zLbslEFtgxip4JobTOU4INEcqwVb3payeFYm76jfgvdHn8G         OlpFpyA7ihRqfMGpeMgwHHTurdgpMkeVl4rjFYKyn+GFiD00CToVzt3GxwijLc2Wn39l         5Lug==
X-OlkEid: 000000001988855259D6ED42901E245C1653462B070034AD76187591974DBF6C4F76951C873A0100020000000000710702BE1E910F45A76421A785AB30BA0000000016AB0000A0D3098B8D87554E86DFB3A0F7CC3D27
X-Google-DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed;
        d=1e100.net; s=20251104; t=1776334407; x=1776939207;
        h=to:subject:message-id:date:from:mime-version:x-gm-gg
         :x-gm-message-state:from:to:cc:subject:date:message-id:reply-to;
        bh=cTGXO5w9t8bcav1bRo/d6VH8hDAfNogBN5BRh9rlTgg=;
        b=Q/7JTpm0o0DbvwOIObftMq7qyYqXomNGezAI8PMXMYxoJ2l7YDrG0jl2RtUVHtxUDl
         fIVRbBMb8sN04qhONtMe+wJNwFxlc8OPr9jlJdT2hq8IMi9d1ljjvgZRc88B+Prq5Uh8
         Q8TM+z5q07R8sRW3YfVz2jRHE0VSXWJh512nc44AcWHFtkDxAe61rxYzA7c8mIafWTz+
         c++tEi9jOElOZH1/X08DDxvhLxomFeQBtF8P2zl7gWieDZt+szzmXCKtFJk1jpr9NvZC
         svIUvj6vQlByz4v5Sv0RlbRkbLVuIQ8R8QMxSQW4cNrSQ7GEsbugDHQP1PhIjcxkXFvQ
         wO+g==
X-Forwarded-Encrypted: i=1; AFNElJ9kCC3KBgxTrRAWWWqQP1/98TpL301R0VFDDpGXpeNBEj5ElUXXHFN09aTOpV0tYMtAr13X@rahandusministeerium.ee
X-Gm-Message-State: AOJu0YzdjbYiHj8Ci56tBXOp7Y38zmU3lVpKBw8TdNCkaUXxMop6nlEC
	RG1aU8Py7OtIsMfsHmyfOQB7nXfikH82zsBxq7H2tFKPL8lIcfnd5/nDqq8CizpnP2ulkR7y+AX
	g6Abs49gXbjaPlsQ1whevJgx5FQ2MJhAvDGZjafXCgA==
X-Gm-Gg: AeBDietmL74gI9j54ZvN6tm0QGhqWGaw8rwMQrnc3/nUCb11+/OBiWRUa3RSMUGlMxd
	Wl/lvuzjlFuauDBoReQRTqKP7JUctyAZgkPUULEbHaOcXr94RaCdMKOH59qJkHVXqJl0LsSuWwI
	gaCyRs9fWtf0RMFbTDyr71RBrPavgJNdQHbLeLCSPj4OqpWI4ZZykW8WVrOHXY9Je/PKTaE36gL
	UeK95uMK/6B6BHeWNOkN51ufuX/WzbiKEzpHZ9o2zVdfgymeJcEZ6YxdB2Oo94brmxS+61GFCB8
	/N2sBtH/rJRiEsEIZub0tbBmAIn8btNBDaET83M=
X-Received: by 2002:a17:907:9611:b0:b9c:cb04:9fe6 with SMTP id
 a640c23a62f3a-b9d7248afc8mr1445886166b.14.1776334406761; Thu, 16 Apr 2026
 03:13:26 -0700 (PDT)
X-Gm-Features: AQROBzDm0bh4V66zRwbZGAxQUkOQmZo8AvoT2f-qHY4nyyjrrqJMqidGJwGJ_T4

This is a multipart message in MIME format.

------=_NextPart_000_003E_01DCCDA8.3097D950
Content-Type: text/plain;
	charset="utf-8"
Content-Transfer-Encoding: 8bit


Tähelepanu! Tegemist on välisvõrgust saabunud kirjaga.
Tundmatu saatja korral palume linke ja faile mitte avada.

Tere,

Võtan ühendust looga, mis käsitleb seda, kuidas Euroopa pangad on Eesti 
fintechi kaasabil juba hakanud hindama välismaal elavaid kliente, kasutades 
piiriüleseid krediidiandmeid.

Libra Internet Bank Rumeenias on alustanud koostööd Mifundoga, mis on 
esimene ja ainus üle-Euroopaline krediidiandmete platvorm, et hinnata 
välismaal elavate klientide krediidivõimekust nende tegeliku finantsajaloo 
põhjal elukohariigis.

Mifundo ühendab krediidiandmeid erinevatest Euroopa riikidest ühtseks 
standardiseeritud raamistikuks ning Euroopa Innovatsiooninõukogu toetab 
ettevõtet strateegilise partnerina Euroopa piiriülese finantsandmete 
infrastruktuuri ülesehitamisel.

Euroopas (nii ka Eestis) moodustavad välismaal elavad kliendid tüüpiliselt 
10-15% pankade portfellist, kuid paljusid neist hinnatakse puudulike 
krediidiandmete põhjal.

See koostöö näitab, kuidas Euroopa pangad saavad:

*	hinnata kliente verifitseeritud piiriüleste krediidiandmete alusel
*	parandada otsuste täpsust ilma olemasolevaid protsesse muutmata
*	vastata CCD2 nõuetele

Täispika teate koos visuaalidega leiab siit: 
https://drive.google.com/drive/folders/1_9Ad5KWrg2ZVseq_qKYXQBq88Oqoj8Q7?usp=sharing



Hea meelega jagan lisainfot või korraldan lühikese kõne Mifundo kaasasutaja 
ja tegevjuhi Kaido Saarega, kes on ka Bigbank Groupi endine tegevjuht.





Best regards,
_______________________
Kaisa Pilnik
Customer Success and Marketing Manager

E: kaisa.pilnik@mifundo.com <mailto:kaisa.pilnik@mifundo.com>
W: www.mifundo.com <http://www.mifundo.com/>

------=_NextPart_000_003E_01DCCDA8.3097D950
Content-Type: text/html;
	charset="utf-8"
Content-Transfer-Encoding: quoted-printable

<html><head>
<meta http-equiv=3D"Content-Type" content=3D"text/html; =
charset=3Dutf-8">
</head>
<body>
<table class=3D"MsoNormalTable" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" align=3D"left" width=3D"100%" =
style=3D"width:100.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184; =
mso-table-lspace:2.25pt;mso-table-rspace:2.25pt;mso-table-anchor-vertical=
:paragraph;mso-table-anchor-horizontal:column;mso-table-left:left;mso-pad=
ding-alt:0cm 0cm 0cm 0cm">
<tbody>
<tr =
style=3D"mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes">
<td style=3D"background:#910A19;padding:5.25pt 1.5pt 5.25pt 1.5pt"></td>
<td width=3D"100%" =
style=3D"width:100.0%;background:#FDF2F4;padding:5.25pt 3.75pt 5.25pt =
11.25pt; word-wrap:break-word" cellpadding=3D"7px 5px 7px 15px" =
color=3D"#212121">
<div>
<p class=3D"MsoNormal" =
style=3D"mso-element:frame;mso-element-frame-hspace:2.25pt; =
mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element=
-anchor-horizontal: column;mso-height-rule:exactly">
<span style=3D"font-size:9.0pt;font-family: &quot;Segoe =
UI&quot;,sans-serif;mso-fareast-font-family:&quot;Times New =
Roman&quot;;color:#212121"><strong>T=C3=A4helepanu!
</strong>Tegemist on v=C3=A4lisv=C3=B5rgust saabunud kirjaga.<br>
Tundmatu saatja korral palume linke ja faile mitte =
avada.<o:p></o:p></span></p>
</div>
</td>
</tr>
</tbody>
</table>
<div>
<div dir=3D"ltr">
<div>
<p style=3D"color:rgb(0,0,0)"><font face=3D"arial, =
sans-serif">Tere,</font></p>
<p style=3D"color:rgb(0,0,0)"><font face=3D"arial, =
sans-serif">V=C3=B5tan =C3=BChendust looga, mis k=C3=A4sitleb seda, =
kuidas
<b>Euroopa pangad on Eesti fintechi kaasabil juba hakanud hindama =
v=C3=A4lismaal elavaid kliente, kasutades piiri=C3=BCleseid =
krediidiandmeid.</b></font></p>
<p style=3D"color:rgb(0,0,0)"><font face=3D"arial, sans-serif">Libra =
Internet Bank Rumeenias on alustanud koost=C3=B6=C3=B6d Mifundoga, mis =
on esimene ja ainus =C3=BCle-Euroopaline krediidiandmete platvorm, et =
hinnata v=C3=A4lismaal elavate klientide krediidiv=C3=B5imekust nende =
tegeliku
 finantsajaloo p=C3=B5hjal elukohariigis.&nbsp;</font></p>
<p style=3D"color:rgb(0,0,0)"><font face=3D"arial, =
sans-serif"><b>Mifundo =C3=BChendab krediidiandmeid erinevatest Euroopa =
riikidest =C3=BChtseks standardiseeritud raamistikuks ning Euroopa =
Innovatsioonin=C3=B5ukogu toetab ettev=C3=B5tet strateegilise partnerina =
Euroopa piiri=C3=BClese
 finantsandmete infrastruktuuri =C3=BClesehitamisel.</b></font></p>
<p style=3D"color:rgb(0,0,0)"><font face=3D"arial, =
sans-serif"><b>Euroopas (nii ka Eestis) moodustavad v=C3=A4lismaal =
elavad kliendid t=C3=BC=C3=BCpiliselt 10-15% pankade portfellist,</b> =
kuid paljusid neist hinnatakse puudulike krediidiandmete =
p=C3=B5hjal.</font></p>
<p style=3D"color:rgb(0,0,0)"><font face=3D"arial, sans-serif">See =
koost=C3=B6=C3=B6 n=C3=A4itab, kuidas Euroopa pangad saavad:</font></p>
<ul style=3D"color:rgb(0,0,0)">
<li><font face=3D"arial, sans-serif">hinnata kliente verifitseeritud =
piiri=C3=BCleste krediidiandmete alusel</font></li><li><font =
face=3D"arial, sans-serif">parandada otsuste t=C3=A4psust ilma =
olemasolevaid protsesse muutmata</font></li><li><font face=3D"arial, =
sans-serif">vastata CCD2 n=C3=B5uetele</font></li></ul>
<div><font face=3D"arial, sans-serif"><span =
style=3D"color:rgb(0,0,0)">T=C3=A4ispika teate koos visuaalidega leiab =
siit:&nbsp;</span><a =
href=3D"https://drive.google.com/drive/folders/1_9Ad5KWrg2ZVseq_qKYXQBq88=
Oqoj8Q7?usp=3Dsharing">https://drive.google.com/drive/folders/1_9Ad5KWrg2=
ZVseq_qKYXQBq88Oqoj8Q7?usp=3Dsharing<font color=3D"#000000"><span =
style=3D"caret-color: rgb(0, 0, 0);"><br>
</span></font></a></font></div>
</div>
<div><font face=3D"arial, sans-serif"><br>
</font></div>
<div><font face=3D"arial, sans-serif"><span =
style=3D"color:rgb(0,0,0)">Hea meelega jagan lisainfot v=C3=B5i =
korraldan l=C3=BChikese k=C3=B5ne
<b>Mifundo kaasasutaja ja tegevjuhi Kaido Saarega, kes on ka Bigbank =
Groupi endine tegevjuht.</b></span><br>
</font></div>
<div><span style=3D"color:rgb(0,0,0)"><font face=3D"arial, =
sans-serif"><br>
</font></span></div>
<div><font face=3D"arial, sans-serif"><br>
</font></div>
<div>
<div dir=3D"ltr" class=3D"gmail_signature" =
data-smartmail=3D"gmail_signature">
<div dir=3D"ltr">
<div style=3D"color:rgb(34,34,34)"><font face=3D"arial, sans-serif">Best =
regards,&nbsp;</font></div>
<div style=3D"color:rgb(34,34,34)"><font face=3D"arial, =
sans-serif">_______________________<br>
<b>Kaisa Pilnik</b><br>
Customer Success and Marketing Manager<br>
<br>
E: <a href=3D"mailto:kaisa.pilnik@mifundo.com" =
target=3D"_blank">kaisa.pilnik@mifundo.com</a><br>
W:&nbsp;<a href=3D"http://www.mifundo.com/" =
style=3D"color:rgb(17,85,204)" =
target=3D"_blank">www.mifundo.com</a></font></div>
</div>
</div>
</div>
</div>
</div>
</body>
</html>

------=_NextPart_000_003E_01DCCDA8.3097D950--
