Planky Secures €6.9M to Transform Open Banking Data into Real-Time AI Credit Decisions

London-based AI data platform Planky has secured €6.9 million in new funding to transition from transaction-based credit intelligence to a real-time AI decisioning layer. The investment, co-led by Innovation Global and Azimut, will accelerate the development of predictive risk models and support the firm’s expansion across the Middle East and international markets.

What was announced

Planky has secured €6.9 million in a funding round co-led by Innovation Global, advised by SM Capital, and funds from the Azimut Venture Capital Digitech Europe strategy. The latter is managed by Azimut Investments S.A. and receives strategic support from FNDX, a specialist in technology-driven M&A and strategic advisory. The capital injection marks a fundamental shift in Planky’s product roadmap, moving the company from transaction-based credit intelligence toward a real-time AI decisioning layer for the broader financial industry.

The funding is earmarked for the development of AI-driven products focusing on credit underwriting, financial decisioning, spend intelligence, and prediction. A key component of this evolution is the creation of predictive risk models that monitor borrower behaviour in real-time. By detecting early signals of financial stress, these models allow lenders to anticipate risk and intervene before defaults occur. This move signals Planky’s intent to transition beyond basic Open Banking analytics to become a core infrastructure layer for digital banks, lenders, and embedded finance platforms. Geographically, the investment will support ongoing projects in the Middle East and facilitate engagement with international clients as the company integrates further into the BKN301 Group’s overarching AI strategy following its acquisition in November 2025.

"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. This investment brings that vision into sharper focus and accelerates our path to a future where AI helps every financial institution see clearly, act instantly and grow with confidence,"

Stiven Muccioli, CEO and Founder of BKN301 Group

The companies involved

Planky is a London-based financial data intelligence platform that utilizes artificial intelligence to provide credit underwriting and decisioning support. Since November 2025, it has operated as part of the BKN301 Group, a fintech firm that has established a significant presence across the Europe, Middle East, and Africa (EMEA) regions. BKN301 provides digital payment and banking-as-a-service solutions, often targeting markets with high growth potential but underserved financial infrastructure.

The investment involves Azimut Investments S.A., part of the broader Azimut Group, which has previously shown interest in the Middle Eastern market through entities like Azimut Investments – Egypt. The involvement of FNDX as a strategic advisor highlights the technical nature of the deal, as the firm specializes in advising venture capital and private equity funds on investments into highly technology-driven digital companies. Innovation Global, the other co-lead, focuses on scaling infrastructure-level technology. Together, these entities are positioning Planky as a critical component of the BKN301 ecosystem, which continues to expand its regulated footprint across international borders.

What FF News has reported before

FF News has extensively tracked the expansion of BKN301, particularly its strategic moves in the MENA region. In June 2026, the company signaled its technological ambitions when BKN301 Launches AI-Native Orchestrator to Solve Banking Data Sovereignty and Governance. The group's regional footprint was further solidified through high-profile partnerships, including a move where Tether Partners with FirstData and BKN301 to Tokenise Saudi Arabian Real Estate. More recently, in September 2026, Al Faisal Holding Partners with BKN301 to Launch FinTech Venture in Qatar, while the group’s wider ecosystem saw regulatory progress as Egypt’s FRA Grants Fintech Licenses to Four Firms to Boost Digital Finance.

What this means

This funding highlights a significant pivot in the credit industry: the move away from the static credit score. By shifting toward a "continuous read" of risk, Planky is challenging the traditional credit bureau model that relies on historical, often lagging, data. For digital lenders and embedded finance providers, the ability to monitor borrower health in real-time is no longer a luxury but a necessity for survival in volatile markets. This announcement puts pressure on legacy credit scoring firms to integrate deeper AI layers or risk obsolescence. The industry must now grapple with the ethical and regulatory implications of continuous monitoring versus consumer privacy.