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3 May 2023 – Articles

New fintech partnership provides companies with an overview and advice in trying times


Danske Bank is making Axeptia Credit Intelligence accessible for business customers in Denmark, Sweden and Finland following a pilot trial period in Norway. The solution makes it easier for our business customers to keep track of who owes their company money and how good they are at paying their invoices to the company.




In the current climate, predicting economic developments is difficult. For this reason, we at Danske Bank are receiving increasing requests from business customers who want help to get an overview of the financial situation of their customers. 

“Recent bankruptcy numbers from Statistics Denmark are running higher than they have for a long time. While there can be multiple reasons for this, the fact remains that uncertainty among our customers is increasing as a result. They want to know if their customers pay what they owe on time, or if there is a risk of non-payment. Add to this the general uncertainty pervading the current economic situation and what emerges is a longing among companies for a clear overview and predictability when it comes to their customers,” says Claus Harder, Global Head of Markets and Transaction Banking at Danske Bank. 

Companies long for a clear overview and predictability when it comes to their customers.

Claus Harder

Global Head of Markets and Transaction Banking, Danske Bank




The trend towards companies wanting more data and insight into their customers is nothing new, which is why we are constantly working to find solutions and enter partnerships that will be beneficial to our customers.

Norway’s Axeptia Credit Intelligence is an example of just such a solution and will now be rolled out in Denmark, Sweden and Finland, where it can provide companies with an overview of their customers’ challenges and gather all relevant information in one place:

“Norway has had the solution up and running for some time, and what we hear is that once a company has begun to use the solution, they can’t do without it. What’s more, this is not a solution offered by anyone else, at least according to our research,” says Claus Harder.

What drives us is the desire to develop tools and solutions that can benefit our customers, and we have realised we can achieve our goals faster by working with partners like Axeptia.

Claus Harder


Gathers and visualises information
Customers gain access to the tool through an app or via Danske Bank’s financial platform for business customers, which is called District. 

The program assimilates data from the customer’s ERP system, credit information provider and debt collection provider and visualises it to provide an overview and ease of use.

Founder and CEO of Axeptia Credit Intelligence, Per Nestor Warp, explains that his firm is keen to help companies make decisions that are based on data and accurate information. Axeptia provides decision makers with a coherent overview of the huge amounts of information they possess and guides them towards what they should focus on. The system also allows companies to act intelligently and thus ensure faster payments from customers.

Fintech collaborations are a demanding process for all parties involved, and the journey towards Danske Bank’s Nordic rollout of Axeptia Credit Intelligence has taken more than three years.

On the other hand, the ground has now been prepared for more projects where our customers’ needs are met through solutions developed with external partners.

“What drives us is the desire to develop tools and solutions that can benefit our customers, and we have realised we can achieve our goals faster by working with partners like Axeptia,” says Claus Harder.

More about Axeptia

Axeptia is a credit intelligence platform built by experts from the credit and debt collection industry. The platform collects all relevant information in one place, enabling businesses to focus on their core business instead of collecting data and insight.

Axeptia helps businesses reduce customer risk and improve liquidity. Businesses get insight and alerts that enable them to act proactively – and an intuitive interface that allows them to maintain control of theri customer portfolio.

Talk to us about Axeptia