PEFTECH
PEFTECH is an Italian web platform that runs a lender's entire credit underwriting journey, from online onboarding to the final decision, combining customisable AI and machine-learning credit scoring with reputational, anti-money-laundering and Bank of Italy credit-register checks.
What is PEFTECH?
PEFTECH is the fintech-oriented version of Easyfintech's PEF, the pratica elettronica di fido or electronic credit file. Where PEF addresses credit brokers and lending professionals, PEFTECH is aimed at the operators who originate and distribute financing products in the Italian fintech market. Its stated promise is to manage the whole underwriting process leading to the disbursement of a loan, as the vendor puts it, from A to Z.
The platform is described in two halves. The front end captures funding requests directly online from the lender's own website, together with the documents needed for the later decision. The back end then processes the request: it acquires data and credit scoring, runs reputational and anti-money-laundering verifications, analyses the applicant's position in the Bank of Italy central credit register, performs a DSCR test, and carries the file through to the formal decision. The vendor advertises that six steps separate an incoming debt or lending crowdfunding request from its approval, though the steps themselves are never itemised on the site.
Six categories of user are named explicitly: equity, debt and lending crowdfunding portals; peer-to-peer lending; microcredit platforms; invoice financing; SIM, SGR and article 106 platforms; and rental or leasing platforms. Seven instrument types are covered, including minibond issuance, invoice trading, direct lending, debt crowdfunding, leasing, supply-chain credit and supply-chain superbonus credit.
The artificial intelligence sits in the scoring layer. Easyfintech describes digital, customisable credit scoring models that combine traditional analysis — economic and financial, behavioural and reputational — with statistical methods based on AI, machine learning and data analysis. The platform is presented as tailored rather than off-the-shelf, and the company's Open Banking service, built on CRIF's N.E.O.S. suite, is declared as integrated inside both PEF and PEFTECH to assess creditworthiness from current-account movements.
The working application sits on a dedicated subdomain reached from the site's login page. Easyfintech presents itself as an innovative Italian SME specialising in business information, holds a prefectural licence for commercial information activity, and states that it has belonged to the Facile.it group since 2024.
What it does
- Collect funding applications and supporting documents online, directly from the lender's own website
- Process the application in the back office and obtain credit scoring on the applicant
- Run reputational and anti-money-laundering checks within the same workflow
- Analyse the Bank of Italy central credit register position of the applicant
- Run a DSCR (Debt Service Coverage Ratio) test
- Carry the file through to the formal credit decision
- Handle minibonds, invoice trading, direct lending, debt crowdfunding, leasing and supply-chain credit in one platform
When to use PEFTECH / When not to
A quick filter to help you decide if PEFTECH is the right fit.
When to use PEFTECH
- Equity, debt and lending crowdfunding portals that need to turn incoming funding applications into structured, auditable credit files
- Peer-to-peer lending and microcredit platforms looking to industrialise underwriting without building the workflow in-house
- Invoice financing and invoice trading operators who assess corporate counterparties on every transaction
- Italian regulated intermediaries — SIM, SGR and article 106 operators — that must document each credit decision
- Rental and leasing platforms handling recurring financing requests and supply-chain credit, including superbonus supply-chain credit
When not to use PEFTECH
- Companies operating outside Italy: the platform is built on Italian tax codes, the Business Register and the Bank of Italy credit register
- Teams that need an API or a developer integration, since no public API or technical documentation is published
- Organisations requiring a non-Italian interface: both the website and the application are Italian-only
- Buyers who need transparent list pricing before a sales conversation, as no rates are published anywhere
- Businesses seeking finance for themselves; PEFTECH serves the lender's side of the transaction, not the borrower's
How to use PEFTECH
A typical end-to-end flow, from setup to results.
- Read the product page to check that your activity matches one of the six operator categories the vendor names
- Request a demonstration through the contact form, since there is no self-service sign-up
- Alternatively, write to the general contact address or call the published commercial number
- Discuss scope with Easyfintech: the platform is presented as customisable and tailored to each client's process
- Agree how the front end will be connected to your own website, since applications are captured there
- Define which scoring models, reputational and anti-money-laundering checks apply to your product range
- Receive credentials and access the platform through the site's login page, which points to the dedicated PEFTECH subdomain
- Operate the workflow: capture the request and its documents, process it in the back office, and issue the decision
Pros & Cons
Pros
- Covers end to end a process that is usually split across several tools, from onboarding to the credit decision
- Compliance work is part of the workflow rather than a separate exercise: reputational, anti-money-laundering and credit-register checks sit in the same platform
- Scoring models are described as customisable, rather than a single opaque score imposed on every client
- Deep anchoring in official Italian data sources, which matters for lenders assessing Italian counterparties
- The vendor holds a prefectural licence for commercial information activity and follows the supervisory authority's code of conduct
- Unusually thorough GDPR documentation, including explicit treatment of automated decision-making
- Covers financing instruments that generic underwriting tools tend to ignore, such as minibonds and supply-chain superbonus credit
Cons
- No pricing is published at all; the complete site map confirms there is no pricing page, so budgeting requires a sales conversation
- No product API and no developer documentation, which rules out autonomous technical integration
- The website and the application are available in Italian only, with no English version
- No terms and conditions and no legal notice page are published anywhere on the site
- The site contradicts itself on the company address, giving a Milan commercial office in the footer and contact page but a Bergamo registered office in the privacy notices
- Neither the list of sub-processors nor the list of data suppliers is published: both are available only at the company's premises
- The product page is thin: the advertised six steps are never detailed and the client logo carousel carries no readable names
Pricing & Plans
Easyfintech does not publish any pricing for PEFTECH. The absence is established rather than merely observed: the complete WordPress site map lists fifteen pages and contains no pricing page, and no rate appears in the text or the source of any page collected. There is no advertised free plan and no advertised free trial. Commercial engagement runs exclusively through a demonstration request, so the pricing model is quotation-based and the starting price, currency and billing unit are all left empty together. Prospective buyers should expect a tailored quotation reflecting the degree of customisation required.
Data, GDPR & hosting
A consolidated view of how PEFTECH handles your data.
GDPR overview
GDPR implementation is documented well above the average for a tool of this size. Four separate notices are published: a visitor privacy notice, a site and cookie notice, a dedicated commercial-information notice, and a PDF covering activities other than commercial information, plus a link to the ANCIC industry notice. The commercial-information notice states that it follows the code of conduct approved by the Italian supervisory authority. A data protection officer is named by name. Data subject rights under articles 15 to 22 are listed individually, and article 22 on automated decision-making is addressed explicitly, including the right to obtain human intervention and to contest a decision, which is unusually relevant for a scoring tool. Transfers outside the EEA rely on standard contractual clauses under article 46.
Who owns the data?
The data controller is Easyfintech S.r.l., whose registered office is stated as Largo Adua 1, Bergamo, with VAT and tax code 04240930166. A data protection officer is named, and privacy requests are handled through a dedicated address. For its commercial-information business the company describes itself as a reseller only: it buys data from accredited Italian suppliers and states explicitly that it has chosen not to build a database of its own. Personal data is never disseminated; it is disclosed solely to the requesting client, to recipients required by law, to corresponding information agencies and to information suppliers. Depending on the activity, Easyfintech says it may act either as controller or as processor.
Reuse rights
The published notices govern Easyfintech's own processing rather than granting reuse rights to customers, and no terms and conditions are published anywhere on the site, so the contractual position on client reuse of platform output is not documented. What is documented is the purpose of the underlying commercial-information service: producing assessments and opinions, including predictive or probabilistic ones such as scoring and rating, so that the requesting client can evaluate a counterparty. Legal bases invoked are publicly accessible sources, the client's legitimate interest in preventive credit protection, Easyfintech's own legitimate interest in fraud prevention and service reliability, and consent where data is collected directly. Special categories of data under article 9 are expressly excluded. Nothing on the site addresses whether customer data feeds AI model training.
Data retention & training
Hosting summary
Easyfintech does not disclose where platform data is hosted. No country and no region is named in any of the published notices for the data processed inside PEFTECH, and the only sub-processor reference is a generic category covering website hosting, virtual servers, backup servers and cloud services, with no provider named. The only server-location statements on the site concern Google Analytics and describe Google's own infrastructure, not the vendor's, so they say nothing about where client data lives. Transfers outside the EU and the EEA are contemplated and, where they occur, are covered by ad hoc standard contractual clauses under article 46 of the GDPR or by an adequacy decision. For the underlying commercial-information service, the company states that data may be gathered both in Italy and abroad from public bodies or other suppliers under specific agreements. For reference only, the marketing website itself resolves to an address hosted in Germany, which is unrelated to the platform. Data residency should therefore be raised explicitly during procurement.
Where PEFTECH works
Country-level availability.
Available in
Things to keep in mind
Risks and trade-offs to weigh before adopting PEFTECH.
- Automated credit decisions affect people and businesses: the lender, not the vendor, remains accountable under article 22 of the GDPR for offering human review of any decision
- Customisable scoring models are only as fair as the data behind them; the training data and its biases are never described on the site
- Nothing published states whether customer data is used to train AI models, so that question must be settled contractually before deployment
- Neither sub-processors nor data suppliers are listed publicly, which makes independent supply-chain due diligence impossible from the website alone
- No hosting location is disclosed for platform data, so data residency commitments have to be obtained directly from the vendor
- Convenience can erode judgement: a fast path from application to approval makes it easy to accept a score without examining the file behind it
- Third-party data sources named on the site belong to other organisations; their accreditations and databases should not be read as guarantees given by Easyfintech itself
Setup & Integrations
Technical difficulty
Expect a guided implementation rather than a self-service setup. There is no online sign-up: access begins with a demonstration request and a scoping discussion, because the platform is presented as customisable and tailored to each client's process. A web integration is implied, since applications are captured directly from the client's own website, and the scoring models and compliance checks have to be configured for the product range. No public API or technical documentation is available to support autonomous integration, and the vendor publishes no lead times, prerequisites or implementation effort.
Deployment
Integrations
Supported languages
Behind PEFTECH
Social
Resources
All the official URLs gathered for verification and reference.
Frequently asked questions
What is PEFTECH?
Who is PEFTECH designed for?
Which financing operations can it handle?
Where does the artificial intelligence come in?
How much does PEFTECH cost?
Does PEFTECH offer an API?
What languages are available?
Who is behind PEFTECH?
What GDPR guarantees are published?
Is there a mobile application?
Should you pick PEFTECH?
PEFTECH is a narrow, deliberately vertical product, and that is its strength. Rather than offering a generic workflow builder, Easyfintech has assembled the specific chain an Italian fintech lender actually needs: capture the application on your own site, score it with customisable models, clear the reputational and anti-money-laundering hurdles, read the Bank of Italy credit register, run the DSCR test, and decide. For a crowdfunding portal or an invoice financing operator, that assembly is worth more than the sum of its parts, because each piece otherwise has to be sourced and stitched together separately.
The institutional footing is reassuring. Easyfintech holds a prefectural licence for commercial information activity, aligns with the supervisory authority's code of conduct, and publishes privacy documentation far more detailed than most tools of comparable size, including an explicit treatment of automated decision-making that a scoring vendor cannot reasonably avoid. Its membership of the Facile.it group adds weight.
Two limitations should shape expectations. First, opacity: no price is published anywhere, and the absence is confirmed by the full site map rather than merely unobserved, so any evaluation starts with a sales conversation. Second, closure: there is no public API, no English interface, and no published terms and conditions, which means both technical and contractual due diligence have to happen off the website. The site also contradicts itself on the company's address, listing a Milan commercial office alongside a Bergamo registered office.
Anyone outside Italy can stop reading: the tax codes, registers and instruments the platform relies on are Italian throughout. Within that market, PEFTECH deserves a demonstration, provided the buyer arrives with clear questions about pricing, hosting and how far the models can actually be tailored.
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