Building trust in the everyday

Suomen Asiakastieto is one of Finland’s leading providers of digital business and consumer information services. We collect and transform data and information into analyzed data models and insights that are used in interactions between people, companies, and society. Our services help businesses and consumers in their daily decision making processes, such as financial processes and sales and marketing processes. We help many different industries, the largest are banking and finance, small businesses, the retail trade, and the service industry. Asiakastieto is part of the Nordic knowledge company Enento Group, which has a turnover of 151 MEUR and has 430 employees in eight locations in Finland, Sweden, Norway, and Denmark. Read more at enento.com.

 

We are working with sustainability within four different focus areas:

1) How we contribute to a more sustainable economy in the society
2) We help customers with sustainable services
3) Asiakastieto as a sustainable workplace
4) Our environmental impact

Enento Group Sustainability Review

 

 

Enento

- Our history and purpose

 


The key to successful businesses and sustainable societies is trust

For over a century we have made sure that important decisions in our everyday lives, like buying a home or growing a business, can be based on reliable data. We are passionate about transforming data into intelligence that enables trust in interactions between people, businesses, and society. 

Asiakastieto is an impartial provider of data, creating transparency and trust in the business. This way we secure the operating possibilities of both companies and consumers in matters relating to credits and commerce. 

Cooperating closely with organizations in the field and leading data service companies in the world we make sure that our clients are given quick access to the most significant international service innovations.
 

Corporate responsibility is a part of business

Our operation is based on the ISO 9002:2015 certified quality system, which is the most widely used in the world and guarantees the uniform quality of services and the delivery of solutions in accordance with agreements. Continuous follow-up and development of processes and quality are an essential part of the quality system.

As a company quoted on the Helsinki Stock Exchange, Asiakastieto has committed itself to comply with authority regulations, laws, and decrees. Asiakastieto is a Finnish company, which pays its taxes to Finland.  
 

Values

We grow together
We have the courage to embrace change and challenge ourselves and others. We do also always feel safe to disagree and fail and take actions to develop ourselves and others. We build cross-functional collaboration to enhance new thinking & innovation and we are curious and engaged for continuous learning.  
 
We Build Trust
We keep promises, we trust each other, and make sustainable decisions. We are also brave and open to communicate and take responsibility and ownership.  
 
We care and dare
We dare to be ourselves and that value diversity in people and thinking. We also contribute with high ambition and confidence and keep the focus on solutions and possibilities.  


History

As a company, Suomen Asiakastieto Oy’s history reaches back to the year 1961, when credit information associations and business banks together with operators in wholesale and retail founded Luottokontrolli Oy to back up hire purchase. In 1988, Luottokontrolli Oy became Suomen Asiakastieto Oy. However, we consider our own activities to have started as early as December 1905, when the Finnish credit information operations can be seen to have begun with the foundation of the association Suomen Luotonantajayhdistys.  

From the beginning of the 20th century to as far as the 1980s, credit information activities consisted largely of manual data search. The situation started to change at the beginning of the 1990s when the authorities began to save data into electronic data banks. The registration of explicit identifiers also made it possible to automatically combine data of companies’ management with company data.

The digitalization of the credit data industry can be considered to have begun in 1995 when Asiakastieto and Suomen Luottotieto-osuuskunta launched their new rating services. These encapsulated the basic requirement for new financial data: a large quantity of data filtered so that there only remained a credit recommendation, which was as unambiguous as possible. Based on statistical probabilities, a computer could model a company’s creditworthiness fully automatically, in a fraction of a second. Ratings gained more reliability when an amendment of the Companies Act 1999 obligated all limited companies to disclose their financial statements to the authorities.

In the 21st century, the pace of change has continually accelerated so that at present Asiakastieto’s product range comprises almost solely digital services, constantly processed further, based on a more extensive quantity of data.