Omnisient Raises $12.5M to Bring Privacy-Safe Alternative Credit Data to US Lenders

Fintech company Omnisient, a pioneer in privacy-preserving data collaboration and alternative credit insights, has raised $12.5 million in Series A funding to accelerate its global expansion and bring its AI-powered data clean room technology to US financial institutions. The round was co-led by TransUnion, one of the world’s largest information and insights companies, signalling surging demand for compliant, privacy-safe methods to assess credit-invisible and thin-file consumers.

The funding marks a major milestone for Omnisient, which aims to solve one of the financial industry’s most persistent and costly challenges: the inability to assess millions of consumers who lack traditional credit histories but demonstrate strong financial behavior elsewhere.

Solving a Global Financial Exclusion Crisis

More than 1.7 billion people worldwide remain outside the formal financial system due to the absence of recognized credit records. In the United States alone, over 45 million adults are classified as credit-invisible or unscorable, leaving them unable to access loans, mortgages, healthcare financing or basic financial tools.

Omnisient’s mission is built around bridging that gap. The company acts as a “trusted data matchmaker,” enabling consumer brands and financial institutions to collaborate in a privacy-safe environment. Using advanced cryptography and an AI-enabled data clean room architecture, Omnisient helps lenders derive insights from alternative behavioral data, without ever exposing personally identifiable information (PII).

This technology allows banks and insurers to understand consumer affordability, behavior and risk with unprecedented nuance while remaining fully compliant with global privacy regulations.

TransUnion’s Strategic Backing Strengthens US Expansion

TransUnion’s participation in the round is a notable endorsement. In 2025, the two companies formed a strategic relationship to expand responsible use of alternative data. This funding deepens that partnership, positioning Omnisient to help US lenders reach underserved segments in a compliant, efficient and scalable manner.

“This is about helping US lenders make better-informed risk decisions by leveraging alternative data to reach consumers who have traditionally been excluded from the credit system,” said Jon Jacobson, CEO and co-founder of Omnisient. “With this funding, we’re bringing our platform to US institutions that need fresher, smarter, compliant and privacy-safe ways to assess consumer risk and affordability.”

As privacy standards and digital lending grow more complex, the US market has been searching for solutions that combine compliant data collaboration with real-time, predictive insights. Omnisient sits directly at that intersection.

AI-Powered Data Clean Rooms Designed for Financial Inclusion

At the core of Omnisient’s platform are AI-powered private data clean rooms, secure environments allowing multiple organizations to analyze anonymized alternate data sets without exposing sensitive information. The company’s clean rooms are designed specifically for financial services, enabling:

• Compliant sharing of alternative data
• Advanced predictive modelling 
• Faster onboarding and credit scoring 
• Zero exposure of personally identifiable data (PII)
• New segmentation for customer acquisition

With AI layered on top of the clean room environment, Omnisient identifies previously invisible consumer cohorts and models their creditworthiness with greater accuracy than traditional approaches.

The impact has been substantial. Omnisient’s platform has helped financial institutions score over 8 million previously unscorable consumers, with 3.2 million qualifying for credit solely through alternative behavioral data.

Used by the World’s Largest Banks, Insurers and Retailers

Omnisient serves over 100 enterprise clients, including major banks, insurers, retailers and healthcare organizations across Africa, the Middle East, the UK, the US, Brazil and Asia-Pacific. Its platform is used to Reduce credit risk, Expand customer acquisition, Improve affordability assessments, Enhance fraud detection and Increase responsible lending.

Founded in South Africa in 2019, Omnisient has become one of the most globally recognized innovators in financial inclusion and privacy-preserving data technology.

Award-Winning Technology with Global Recognition

Omnisient’s rapid rise has been reinforced by broad industry recognition across the global fintech and data privacy landscape. In 2024, the company was honoured with the Finovate Award for Excellence in Financial Inclusion and named a finalist for Microsoft’s Partner of the Year, while also receiving the Africa Bank 4.0 Award for Most Impactful Data Analytics Solution and the LESI Innovation Award.

The year before, Omnisient was selected as a World Economic Forum Technology Pioneer and featured in Fast Company’s “Next Big Things in Tech,” in addition to being chosen for TechCrunch’s Startup Battlefield 200. It also earned recognition at the Banking Tech Awards for “Tech of the Future: AI & Data” and was a finalist for the IAPP Privacy Innovation Award.

Together, these accolades underscore Omnisient’s position as a global leader in privacy-preserving AI, alternative data collaboration and financial inclusion technology. These awards reflect the company’s leadership in combining privacy, AI and financial inclusion at scale.

Unlocking the Next Frontier of Responsible Lending

As credit markets tighten and privacy regulations strengthen globally, lenders are increasingly seeking ways to expand responsibly while maintaining compliance. Alternative data (commercial, behavioral, lifestyle and transactional) offers the visibility needed to serve credit-invisible consumers safely.

“As credit markets become more inclusive and digital privacy standards rise, predictive data collaboration is emerging as a new frontier,” Jacobson said. “This funding allows us to scale a platform already delivering measurable lift in customer acquisition and credit scoring for top-tier banks and insurers.” Omnisient’s expansion into the United States represents one of the most significant steps in the evolution of alternative data and privacy-safe financial insights, positioning the company as a leader in unlocking financial inclusion for millions.

Omnisient’s $12.5 million raise is far more than another fintech funding announcement, it signals a meaningful shift in how the world thinks about creditworthiness. Traditional credit bureaus have long struggled to assess the financial lives of millions who live outside formal systems and Omnisient’s privacy-safe approach offers a technologically sound, regulation-forward path to expanding inclusion.

However, the company’s US expansion will be its hardest test yet: navigating fragmented state privacy rules, entrenched credit scoring infrastructure and lender skepticism. If Omnisient can prove measurable lift in underwriting accuracy without compromising privacy, it could redefine the data backbone of future lending ecosystems.