{"id":1049,"date":"2024-06-06T08:04:24","date_gmt":"2024-06-06T06:04:24","guid":{"rendered":"https:\/\/fino.digital\/mieter-bonitaet-mit-data-analytics-von-fino-pruefen\/"},"modified":"2026-06-11T10:18:27","modified_gmt":"2026-06-11T08:18:27","slug":"checking-tenant-creditworthiness-with-the-help-of-ai","status":"publish","type":"post","link":"https:\/\/fino.digital\/en\/checking-tenant-creditworthiness-with-the-help-of-ai\/","title":{"rendered":"Checking Tenant Creditworthiness With the Help of AI"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1049\" class=\"elementor elementor-1049 elementor-871\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ba61a7b e-flex e-con-boxed e-con e-parent\" data-id=\"ba61a7b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c6d583d elementor-widget elementor-widget-heading\" data-id=\"c6d583d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Bank account as a mirror of life<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad1bc5b elementor-widget elementor-widget-text-editor\" data-id=\"ad1bc5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>In highly competitive housing markets with countless prospective tenants, individual credit checks require a great deal of work. AI can significantly reduce this workload. In a guest article in the trade magazine &#8220;IVV &#8211; Immobilien vermieten &amp; verwalten&#8221;, our partner Alexander Sieverts from itsmydata and Aleksandar Jeremic, CEO of fino digital, describe how digital solutions can speed up the process of checking the solvency and creditworthiness of prospective tenants for landlords.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60473b9 elementor-widget elementor-widget-heading\" data-id=\"60473b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">AI-based account analysis helps tenants and landlords with credit checks<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6439a5 elementor-widget elementor-widget-text-editor\" data-id=\"e6439a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This is based on the user&#8217;s account transactions, which reflect almost their entire life. They are analysed with the consent of the prospective tenant, while maintaining data sovereignty, and with the help of algorithms based on artificial intelligence (AI). The following applies: &#8220;As much as necessary, but as little as possible&#8221; &#8211; so only the data that was previously authorised is analysed. Incoming salaries and rent payments are then summarised. This means that landlords no longer have to spend time analysing employment contracts, payslips and tenant information, which saves a lot of time. In addition, the landlord can establish a relationship between income and rent and thus better assess the solvency of the prospective tenant.<\/p><p>But prospective tenants also benefit from such a digital process. They do not have to laboriously collect and copy documents that prove their solvency. Instead, they can prove their financial stability and reliability quickly and easily, giving them an advantage over other apartment seekers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c450d1 elementor-widget elementor-widget-heading\" data-id=\"7c450d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">AI supports PropTech in the real estate industry<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed79e0c elementor-widget elementor-widget-text-editor\" data-id=\"ed79e0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The digital solutions from itsmydata and fino digital therefore turn data into real added value for tenants and landlords and are a good example of how the real estate and housing industry can also benefit from innovative technologies.<\/p><p>Read the full article here<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79465e5 elementor-widget elementor-widget-button\" data-id=\"79465e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.vermieter-ratgeber.de\/fachmagazin\/fachartikel\/das-private-bankkonto-als-spiegel-des-lebens.html\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">FULL  ARTICLE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-488d59a e-con-full e-flex e-con e-child\" data-id=\"488d59a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9769102 elementor-widget elementor-widget-heading\" data-id=\"9769102\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">WOULD YOU LIKE TO FIND OUT MORE?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d201741 elementor-widget elementor-widget-text-editor\" data-id=\"d201741\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We are happy to advise you and look forward to getting to know you!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-29f7566 e-con-full e-flex e-con e-child\" data-id=\"29f7566\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-984cef2 e-con-full e-flex e-con e-child\" data-id=\"984cef2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-a457957 e-con-full e-flex e-con e-child\" data-id=\"a457957\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23f5ba3 elementor-widget elementor-widget-template\" data-id=\"23f5ba3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"1700\" class=\"elementor elementor-1700\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-6d21c4da e-flex e-con-boxed e-con e-parent\" data-id=\"6d21c4da\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5689a17e elementor-widget elementor-widget-image\" data-id=\"5689a17e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/fino.digital\/wp-content\/uploads\/elementor\/thumbs\/aj-r45fl82a7anhfkhdfme1ig3akxd5er8ghiu9pb5efw.png\" title=\"aj.png\" alt=\"aj.png\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ffc68b7 elementor-widget elementor-widget-heading\" data-id=\"1ffc68b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Aleksandar\nJeremic<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4016395 elementor-widget elementor-widget-heading\" data-id=\"4016395\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div 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data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" id=\"kontaktformular\" name=\"Contact form english fino.digital\" aria-label=\"Contact form english fino.digital\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"2821\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"c01a069\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"\" \/>\n\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-hidden elementor-field-group elementor-column elementor-field-group-field_3aef337 elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"hidden\" name=\"form_fields[field_3aef337]\" id=\"form-field-field_3aef337\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" value=\"Checking Tenant Creditworthiness With the Help of AI\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-hidden elementor-field-group elementor-column elementor-field-group-ansprechpartner elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"hidden\" name=\"form_fields[ansprechpartner]\" id=\"form-field-ansprechpartner\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" value=\"aj@fino.digital, nicole.albinger@fino.digital, sarah.heller@fino.digital\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-50 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" 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class=\"elementor-field-textual elementor-field  elementor-size-sm\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"4\" placeholder=\"Message\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-acceptance elementor-field-group elementor-column elementor-field-group-field_fb1b8d9 elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t<div class=\"elementor-field-subgroup\">\n\t\t\t<span class=\"elementor-field-option\">\n\t\t\t\t<input type=\"checkbox\" name=\"form_fields[field_fb1b8d9]\" id=\"form-field-field_fb1b8d9\" class=\"elementor-field elementor-size-sm  elementor-acceptance-field\" required=\"required\">\n\t\t\t\t<label for=\"form-field-field_fb1b8d9\">I accept the\n <a href=\"https:\/\/fino.digital\/en\/privacy-policy\/\" target=\"_blank\">privacy policy.<\/a><\/label>\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text\">\n\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[mobiltelefon]\" id=\"form-field-mobiltelefon\" class=\"elementor-field elementor-size-sm \" style=\"display:none !important;\">\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text\">\n\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[geschlecht]\" id=\"form-field-geschlecht\" class=\"elementor-field elementor-size-sm \" style=\"display:none !important;\">\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text\">\n\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[adresse]\" id=\"form-field-adresse\" class=\"elementor-field elementor-size-sm \" style=\"display:none !important;\">\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">SEND MESSAGE<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>In highly competitive housing markets with countless prospective tenants, individual credit checks require a great deal of work. AI can significantly reduce this workload.<br \/>\nIn a guest article in the trade magazine &#8220;IVV &#8211; Immobilien vermieten &#038; verwalten&#8221;, our partner Alexander Sieverts from itsmydata and Aleksandar Jeremic, CEO of fino.digital, describe how digital solutions can speed up the process of checking the solvency and creditworthiness of prospective tenants for landlords.<\/p>\n","protected":false},"author":5,"featured_media":1025,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[40],"tags":[],"class_list":["post-1049","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fino-digital-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/fino.digital\/en\/wp-json\/wp\/v2\/posts\/1049","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fino.digital\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fino.digital\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fino.digital\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/fino.digital\/en\/wp-json\/wp\/v2\/comments?post=1049"}],"version-history":[{"count":5,"href":"https:\/\/fino.digital\/en\/wp-json\/wp\/v2\/posts\/1049\/revisions"}],"predecessor-version":[{"id":3041,"href":"https:\/\/fino.digital\/en\/wp-json\/wp\/v2\/posts\/1049\/revisions\/3041"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fino.digital\/en\/wp-json\/wp\/v2\/media\/1025"}],"wp:attachment":[{"href":"https:\/\/fino.digital\/en\/wp-json\/wp\/v2\/media?parent=1049"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fino.digital\/en\/wp-json\/wp\/v2\/categories?post=1049"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fino.digital\/en\/wp-json\/wp\/v2\/tags?post=1049"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}