By integrating Sikoia, Finclusion allows customers to submit information the way they want, while leveraging both AI-powered document intelligence and Open Banking data to instantly validate income and affordability - delivering fast and accurate lending decisions.
London, UK, 18th September – Sikoia, the leading Customer Verification Platform for financial services, today announced its collaboration with Finclusion, a new challenger in the UK car finance market. By integrating Sikoia’s API, Finclusion allows customers to submit information the way they want, while leveraging both AI-powered document intelligence and Open Banking data to instantly validate income and affordability - delivering fast and accurate lending decisions.
Finclusion is entering the market with a mission to empower individuals and families with economic opportunity, connectedness, and the freedom to choose where they live and work. Built on the principle that credit is more than money - it can be a lifeline - Finclusion is committed to helping those who are often underserved or excluded from traditional finance access safe, reliable vehicles.
Through its dealer-first approach, Finclusion is creating a car finance experience that is fast, transparent, and simple. By embedding Sikoia’s platform, Finclusion can streamline verification from day one, giving dealers quicker answers and greater confidence in approvals. This not only helps dealers say “yes” more often, but also ensures customers get access to finance with fewer delays and less friction.
Alexis Rog, CEO of Sikoia, commented:
“Every drop-off during income verification is a missed revenue opportunity for lenders. By integrating Sikoia, Finclusion combines Open Banking with intelligent document automation to put customers first - offering choice while keeping full automation behind the scenes. We look forward to making this partnership a success.”
Chris Bosworth, CEO of Finclusion added:
“Our goal is to build a lender that works for dealers, while opening up access to car finance for customers who are too often overlooked. Partnering with Sikoia means we can make this vision real, delivering a transparent, dealer-first experience with confidence in every decision.”
This partnership marks another milestone in Sikoia’s mission to modernise lending processes across the UK. Together, Sikoia and Finclusion are helping redefine what car finance looks like – building a more inclusive, transparent, and dealer-first future for the industry.
About Sikoia
Sikoia is a London-based Fintech that helps financial services providers automate key parts of their customer verification processes. Designed to streamline the customer verification process, Sikoia offers centralised access to organised customer data, alongside providing automated insights that simplify the onboarding experience. Its solutions are built for seamless integration into existing systems via API, or for direct use through its straightforward, ready-to-use Customer Evaluation Dashboard.
Sikoia serves Fintechs and larger established institutions in more than three countries, is regulated by the Financial Conduct Authority (FCA) as an Account Information Service Provider (AISP) and Credit Reference Provider, and is backed by leading institutional investors.
About Finclusion
We’re building something different. Finclusion is a new, specialist vehicle finance lender working exclusively with dealers to help more customers access the vehicle they need. We focus on our members who are often overlooked by mainstream lenders - providing a fast, flexible, and human approach to motor finance.
Sikoia Ltd is authorized and regulated by the Financial Conduct Authority (FCA) as an Account Information Service Provider (AISP) under the Payment Services Regulations 2017 (FRN: 942979) and as a credit reference provider (FRN: 942616). Sikoia Ltd is a credit broker and not a lender. Credit is subject to status.
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