About Credizen

We're building the most transparent loan comparison platform in emerging markets�where every borrower deserves fair access to credit, and every lender competes on merit, not marketing budgets.

Our Mission

To empower 1 billion people worldwide with AI-driven loan comparison tools that make borrowing transparent, fair, and accessible�regardless of credit history or financial literacy.

Transparency First

No hidden fees. Real-time rates. Full cost breakdowns. What you see is what you get.

Fairness by Design

Our AI matches you with lenders based on approval likelihood�not commission size.

Global Accessibility

From Bucharest to Bogot�, we bring world-class fintech to underserved markets.

Our Story

Credizen was founded in 2025 by Rostislav Sikora, a veteran of the financial services industry with 25+ years of experience in banking, credit risk modeling, and AI-powered lending platforms. After witnessing firsthand how opaque lending practices trap millions of borrowers in high-interest debt cycles, Rostislav set out to build a better solution.

The Problem We Saw

In emerging markets like Romania, Colombia, and South Africa, borrowers often:

Accept the first loan offer without comparing alternatives (missing out on savings of 10-30%)
Fall victim to predatory lenders advertising "easy approvals" with hidden 50%+ APRs
Get rejected by banks due to thin credit files�even when they have steady income
Lack tools to understand true loan costs (APR vs. monthly payment tricks)

Our Solution

We built Credizen as a marketplace intelligence layer between borrowers and lenders:

AI Matching: Our algorithm analyzes 50+ data points (not just credit score) to predict approval odds and match you with suitable lenders.
Real-Time Rate Aggregation: We pull live APRs from lender APIs every 15 minutes�no stale data.
Total Cost Transparency: Side-by-side comparison shows monthly payment AND total repayment (so you see the full picture).
Regulatory Compliance: Every lender is manually vetted for valid licenses and compliance with local financial laws.

Where We Are Today

Since launch, Credizen has helped 200,000+ users across Romania, Colombia, Mexico, Poland, South Africa, Vietnam, and Kazakhstan save an average of 18% on interest costs. We work with 160+ licensed lenders, from traditional banks to innovative IFN and microfinance providers.

Meet Our Leadership

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Rostislav Sikora

Founder & CEO | AI Orchestrator

25+ years in financial services, former banking executive at major EU institutions. Expert in AI credit risk modeling and alternative lending. Published researcher on fairness in automated lending decisions.

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Development Team

Platform Engineering

Our engineering team brings expertise from top fintech companies and Big Tech. We're committed to building scalable, secure, and user-friendly systems that handle millions of loan comparisons while protecting your data.

Our Core Values

?? Radical Transparency

We publish our matching algorithm logic, lender vetting criteria, and commission rates. No black boxes. No hidden agendas.

?? User-First, Always

We rank lenders by YOUR best interest (total cost + approval odds)�not who pays us more. Your trust is worth more than any commission.

?? Financial Education

We believe informed borrowers make better decisions. That's why we publish guides on APR, debt-to-income ratios, and responsible borrowing.

?? Continuous Improvement

We iterate based on user feedback. Every feature release includes A/B tests and UX research to ensure we're solving real problems.

Our Technology Stack

Credizen is built on modern, scalable infrastructure designed for security, performance, and compliance:

Frontend & UX

� Astro + React: Fast, SEO-friendly SSG
� Tailwind CSS: Responsive design system
� Playwright: End-to-end testing

Backend & AI

� .NET 8 Azure Functions: Serverless API
� OpenAI Embeddings: Semantic loan matching
� Azure Cognitive Search: Fast provider queries

Data & Storage

� Azure Table Storage: Click tracking & leads
� CSV Parsers: Provider/product data
� Azure Blob Storage: Document storage

Security & Compliance

� TLS 1.3 Encryption: All data in transit
� AES-256: Data at rest encryption
� GDPR Controls: Data export, deletion, portability

?? Security Audits: We conduct annual penetration tests by third-party security firms and maintain SOC 2 Type II compliance (in progress). Vulnerability reports: security@credizen.net

Strategic Partnerships

Credizen collaborates with industry leaders to expand access to credit and improve financial literacy:

160+ Licensed Lenders

From traditional banks (ING, BCR) to innovative IFN and microfinance providers across 7 countries.

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Regulatory Bodies

Close collaboration with BNR (Romania), SFC (Colombia), NCR (South Africa), and other financial authorities to ensure compliance and consumer protection.

Financial Education NGOs

Partnering with local organizations to offer free financial literacy workshops and resources.

Want to Learn More or Partner With Us?

Whether you're a lender interested in joining our platform, a journalist covering fintech, or an investor exploring opportunities�we'd love to hear from you.