{"id":2740,"date":"2026-05-04T12:42:53","date_gmt":"2026-05-04T10:42:53","guid":{"rendered":"https:\/\/fino.digital\/?p=2740"},"modified":"2026-05-11T14:48:01","modified_gmt":"2026-05-11T12:48:01","slug":"ccd2-banks-credit-brokers","status":"publish","type":"post","link":"https:\/\/fino.digital\/en\/ccd2-banks-credit-brokers\/","title":{"rendered":"New Rules, New Opportunities: What CCD2 Really Means for Banks, Credit Brokers, and Borrowers"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2740\" class=\"elementor elementor-2740 elementor-2718\" 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-612ffe2 elementor-widget elementor-widget-text-editor\" data-id=\"612ffe2\" 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 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong><em>The new Consumer Credit Directive is coming \u2013 and it changes how loans may be granted and assessed<\/em><\/strong><\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">From November 20, 2026, Germany&#8217;s new Consumer Credit Directive CCD2 (Consumer Credit Directive 2) comes into effect, establishing a legal framework that fundamentally reshapes lending across Europe. For banks and credit brokers, this is not a warning signal \u2013 it&#8217;s a starting gun: those who consistently implement the directive&#8217;s requirements will gain legal certainty, trust, and competitive advantage.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">The core of the directive is clear: loans may only be granted if the assessment shows that the consumer can meet their obligations with a high degree of probability \u2013 including for small loans. This requirement may sound obvious \u2013 but in practice, it means that many existing processes need to be reviewed. Because anyone still relying exclusively on backward-looking credit scores may no longer be providing a sufficiently robust basis for decision-making.<\/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-8087814 elementor-widget elementor-widget-heading\" data-id=\"8087814\" 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<h2 class=\"elementor-heading-title elementor-size-default\">What Changes with CCD2? The Key Updates<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-153cd98 elementor-widget elementor-widget-text-editor\" data-id=\"153cd98\" 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 class=\"font-claude-response-body break-words whitespace-pre-wrap leading-[1.7]\">The directive replaces the previous Consumer Credit Directive from 2008 and responds to today&#8217;s digital reality. The key updates at a glance:<\/p><ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\"><li class=\"whitespace-normal break-words pl-2\"><strong>Expanded scope:<\/strong> CCD2 now covers for the first time small loans from \u20ac200, interest- and fee-free loans, short-term loans of up to three months, as well as Buy Now Pay Later (BNPL) models and overdraft facilities.<\/li><li class=\"whitespace-normal break-words pl-2\"><strong>Clear communication:<\/strong> Lenders must ensure that all credit terms are communicated transparently and comprehensibly before the contract is concluded.<\/li><li class=\"whitespace-normal break-words pl-2\"><strong>Stricter creditworthiness assessment:<\/strong> Loans may only be granted if the assessment shows that the consumer can meet their obligations with a high degree of probability \u2013 proportionate to the type of credit, documented, and audit-proof.<\/li><li class=\"whitespace-normal break-words pl-2\"><strong>Transparency on credit decisions:<\/strong> Consumers are entitled to an explanation when an algorithm assesses or rejects their application. Providers must disclose which data is used and in what way it influences the decision.<\/li><li class=\"whitespace-normal break-words pl-2\"><strong>Ban on social media data:<\/strong> Data from social networks may not be used for creditworthiness assessments.<\/li><li class=\"whitespace-normal break-words pl-2\"><strong>Digital contract process:<\/strong> Text form instead of written form enables fully digital contract conclusions without a qualified electronic signature.<\/li><li class=\"whitespace-normal break-words pl-2\"><strong>Conduct obligations and remuneration rules:<\/strong> The remuneration of credit brokers may no longer depend on the loan volume or the number of approved applications.<\/li><li class=\"whitespace-normal break-words pl-2\"><strong>Debt counseling and forbearance:<\/strong> In cases of financial difficulty, lenders must actively review relief measures \u2013 deferral, debt restructuring, interest reduction \u2013 and refer consumers to counseling services.<\/li><\/ul>\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-cece8a8 elementor-widget elementor-widget-heading\" data-id=\"cece8a8\" 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<h2 class=\"elementor-heading-title elementor-size-default\">What Changes for Lenders and Borrowers?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0fc3cb elementor-widget elementor-widget-text-editor\" data-id=\"d0fc3cb\" 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 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">For banks and credit brokers, CCD2 is first and foremost an operational challenge: product portfolios must be reviewed, IT systems adapted, and contract processes digitized. The creditworthiness assessment is a particular focus \u2013 it must be documented, explainable, and proportionate. Those using automated processes must make them auditable. Those who have relied on simple credit score queries will need a validatable and standardized data foundation.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">For borrowers, CCD2 means more protection and greater fairness: they receive more transparent information before signing a contract, a limited right of withdrawal, and \u2013 for the first time \u2013 an explanation in the event of rejection, along with a referral to debt counseling services. The directive strengthens trust in the credit market and protects against over-indebtedness \u2013 especially at a time when BNPL and digital small loans have become part of everyday life.<\/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-5d99f08 elementor-widget elementor-widget-heading\" data-id=\"5d99f08\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Why Traditional Scoring Models Alone Are No Longer Sufficient<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a369d0c elementor-widget elementor-widget-text-editor\" data-id=\"a369d0c\" 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 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Traditional scoring models such as the Schufa credit check are a proven tool \u2013 but one that looks into the past. Score-based reports condense historical credit data into a single metric. That is useful, but it often only partially reflects a person&#8217;s current financial situation.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">A typical example: a 28-year-old full-time employee who has paid her rent on time for years, never uses her overdraft, and has consciously avoided installment purchases \u2013 in other words, manages her finances exemplarily. Yet this is precisely what can work against her in traditional scoring: anyone who has built up little credit history provides the scoring model with too few data points. Transaction data analysis, on the other hand, looks at the account and immediately recognizes: stable salary deposits, low expenditure surplus, no payment disruptions whatsoever. CCD2 requires lenders to include relevant, up-to-date information \u2013 income, expenses, and financial obligations \u2013 in their assessments. Traditional scoring alone will frequently no longer meet this standard.<\/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-9a47f63 elementor-widget elementor-widget-heading\" data-id=\"9a47f63\" 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<h2 class=\"elementor-heading-title elementor-size-default\">AI-Based Account Analysis: The Missing Dimension in Credit Assessment<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67bfd39 elementor-widget elementor-widget-text-editor\" data-id=\"67bfd39\" 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 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">This is exactly where fino digital&#8217;s account analysis comes in as an Open Finance solution. With the explicit consent of the borrower, it analyzes actual account transactions \u2013 automated, precise, and in real time. What becomes visible supplements the traditional score with crucial information:<\/p><ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\"><li class=\"whitespace-normal break-words pl-2\">Regular and stable income flows, such as salary, rental income, etc.<\/li><li class=\"whitespace-normal break-words pl-2\">Ongoing financial obligations and contracts: existing loans and credits, leasing agreements, insurance contracts, rent, subscriptions<\/li><li class=\"whitespace-normal break-words pl-2\">Available monthly surplus after all expenses and obligations<\/li><li class=\"whitespace-normal break-words pl-2\">Early indicators of financial stress: returned direct debits, account overdrafts, irregular spending patterns<\/li><li class=\"whitespace-normal break-words pl-2\">AI-based forecast of future payment capacity based on real behavioral data<\/li><\/ul>\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-bdf86ad elementor-blockquote--skin-quotation elementor-widget elementor-widget-blockquote\" data-id=\"bdf86ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\t\"Anyone still relying exclusively on backward-looking scores today is assessing creditworthiness with a tool from yesterday. Digital account analysis makes it possible to evaluate people based on their actual financial situation today \u2013 transparent, data-driven, and fair. This is not only what CCD2 demands; it is what responsible lending looks like.\"\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"e-q-footer\">\n\t\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-blockquote__author\">Aleksandar Jeremic, CEO fino digital<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e44d75 elementor-widget elementor-widget-heading\" data-id=\"1e44d75\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Benefits for Lenders: Precision, Compliance, and Competitive Advantage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-270fab3 elementor-widget elementor-widget-text-editor\" data-id=\"270fab3\" 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 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">For banks and credit brokers, the use of automated account analysis in creditworthiness assessment offers concrete added value:<\/p><ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\"><li class=\"whitespace-normal break-words pl-2\"><strong>CCD2 Compliance by Design:<\/strong> Account-based assessment provides a traceable, documented, and explainable decision foundation \u2013 exactly what the directive requires.<\/li><li class=\"whitespace-normal break-words pl-2\"><strong>Better risk prediction and reduced default rates:<\/strong> Knowing a customer&#8217;s current situation enables more precise default forecasts and more targeted portfolio management.<\/li><li class=\"whitespace-normal break-words pl-2\"><strong>Faster decisions:<\/strong> AI-based account analysis replaces manual document review, minimizes errors, and significantly accelerates the loan process for customers.<\/li><li class=\"whitespace-normal break-words pl-2\"><strong>Accessing new target groups:<\/strong> Career starters, freelancers, or newcomers without a long credit history can be fairly assessed on the basis of current account data.<\/li><li class=\"whitespace-normal break-words pl-2\"><strong>Competitive differentiation:<\/strong> Those who invest in modern scoring infrastructure early build a structural advantage \u2013 in quality, speed, and compliance.<\/li><\/ul>\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-d40114d elementor-widget elementor-widget-heading\" data-id=\"d40114d\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Benefits for Borrowers: Fairness, Speed, and Self-Determination<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-685a15a elementor-widget elementor-widget-text-editor\" data-id=\"685a15a\" 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 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">On the customer side, the benefits are equally clear:<\/p><ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\"><li class=\"whitespace-normal break-words pl-2\"><strong>Fairer assessment:<\/strong> Those who are solvent today are assessed as such \u2013 regardless of their past credit history.<\/li><li class=\"whitespace-normal break-words pl-2\"><strong>Faster decisions:<\/strong> No long waiting times \u2013 the process runs digitally, transparently, and swiftly, and can be supplemented with documents if desired.<\/li><li class=\"whitespace-normal break-words pl-2\"><strong>Data sovereignty:<\/strong> Borrowers only share their account data with explicit consent and retain full control over their personal data.<\/li><li class=\"whitespace-normal break-words pl-2\"><strong>Protection against over-indebtedness:<\/strong> Because financial capacity is assessed more precisely, the risk of receiving a loan that cannot be serviced in the long term is reduced \u2013 lowering the danger of falling into over-indebtedness.<\/li><\/ul>\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-49d3a3a elementor-widget elementor-widget-heading\" data-id=\"49d3a3a\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion: CCD2 as a Starting Gun for Better Credit Decisions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b481c20 elementor-widget elementor-widget-text-editor\" data-id=\"b481c20\" 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 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">CCD2 is not a mere compliance exercise. It is a call to fundamentally rethink lending \u2013 more data-driven, fairer, and more robust. Traditional scoring models remain an important building block, but must be supplemented by intelligent, digital account data analysis in order to meet the demands of responsible and traceable credit decisions.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">At fino digital, we support banks and credit brokers in doing exactly that: with Open Finance solutions based on verified real-time data, explainable by design, and seamlessly integratable into existing loan processes. The technology is ready. The regulation provides the framework. Now is the right moment to act.<\/p>\t\t\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<div class=\"elementor-element elementor-element-82e399f e-flex e-con-boxed e-con e-parent\" data-id=\"82e399f\" 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-eb158e1 elementor-widget elementor-widget-heading\" data-id=\"eb158e1\" 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 learn more about how fino digital can help you implement CCD2 requirements efficiently and in a compliance-secure way with digital scoring solutions?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6859b45 elementor-widget elementor-widget-text-editor\" data-id=\"6859b45\" 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 on how creditworthiness assessments work in practice with innovative data analytics solutions \u2013 and what this means specifically for your loan process.<\/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-4cf990d e-con-full e-flex e-con e-child\" data-id=\"4cf990d\" 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-ad2c7ad e-con-full e-flex e-con e-child\" data-id=\"ad2c7ad\" 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-322fe3b e-con-full e-flex e-con e-child\" data-id=\"322fe3b\" 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-edf5153 elementor-widget elementor-widget-image\" data-id=\"edf5153\" 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\/ap_erica-virlan-rnauyiff452wlptitqnhuio5dqymc3j6yhwr11tc2k.png\" title=\"ap_erica-virlan.png\" alt=\"ap_erica-virlan.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-3f08050 elementor-widget elementor-widget-heading\" data-id=\"3f08050\" 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\">Erica Virlan<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4524861 elementor-widget elementor-widget-heading\" data-id=\"4524861\" 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\">International Business <br>\nDevelopment Manager<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d156c6 elementor-shape-circle elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"3d156c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-animation-grow elementor-repeater-item-2a2ae2c\" href=\"https:\/\/www.linkedin.com\/in\/erica-virlan-sales\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 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103.053-54.947 49.528-38.783 82.032-64.401 104.947-82.653V400H48z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\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<div class=\"elementor-element elementor-element-073c968 e-con-full e-flex e-con e-child\" data-id=\"073c968\" 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-bba81a7 elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"bba81a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;N\\u00e4chster&quot;,&quot;step_previous_label&quot;:&quot;Voriger&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 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