About Maloni

Maloni delivers AI-powered financial solutions built on deep industry expertise and cutting-edge technology. Founded by banking veterans with over 25 years of experience, we specialize in explainable AI for credit decisioning, collateral-backed lending, and compliant growth in regulated environments.

Mission

Our mission is to make AI accessible and trustworthy for financial institutions by combining:

• Deep domain expertise in lending, risk, and compliance
• Explainable AI technology that meets regulatory standards
• Hands-on implementation tailored to each client's needs

We believe AI should enhance human decision-making, not replace it. Every solution includes audit trails, explanations, and governance artifacts that support internal controls and regulatory requirements.

What We Do

• AI Lending Solutions: Credit scoring, underwriting support, collateral workflows, and fraud detection
• AI-Assisted Diagnostics: Structured analysis workflows that produce reviewable outputs
• Governance & Compliance: Documentation, versioning, audit logs, and evidence for regulated use cases

Company History

2020-2026: Building the Future

Maloni was established to bring practical AI solutions to financial institutions that operate in regulated environments. Our approach combines proven lending expertise with modern AI capabilities, delivered on Microsoft Azure.

Key Milestones:

• 2020: Company founded, initial solutions developed
• 2021: Launched credizen.net (AI lead generation platform)
• 2022: Deployed phone collateral lending (pleddu.com)
• 2023: Expanded to vehicle collateral lending (autozastava24.cz)
• 2024: Added diagnostic-adjacent AI workflows
• 2025: Scaled to 2M+ loans processed, $5B total value
• 2026: Enhanced compliance framework for EU AI Act readiness

Leadership

Rostislav Sikora

Managing Director & AI Engineering Lead

Rostislav brings 25+ years of banking and financial services experience, specializing in online consumer loans, credit scoring, and AI-driven decisioning.

Professional Background

• Experience Focus: AI engineer & Lending Expert
• Total Career: 25 years in banking
• Specialization: Online consumer loans, scoring, anti-fraud, compliance
• Track Record: 2M+ loans issued, $5B total value, 4.8/5 average rating

Key Career Milestones

Multitude (Ferratum) — 15 years

• Early microloans in Europe
• Scaled from small company to multinational group (25 countries)
• Led progression to Frankfurt Stock Exchange listing
• Roles spanning product, risk, compliance, and P&L ownership

Nigeria Digital Transformation — 3 years

• Led traditional bank transformation to fully online operations
• End-to-end digitalization of processes and customer experience
• Implemented online lending workflows in emerging market

Confindo.com — 1 year

• Led and developed online loan comparator workflows
• Built affiliate channels and optimized conversion flows

MoneeTech (UK)

• Go-to-market strategy and scaling for online loans
• Operational setup and execution

Areas of Expertise

• Go-to-market for online loans: licensing, compliance, pricing, risk, underwriting, collection
• International expansion: local regulations, product localization, operational configuration
• AI in lending: credit scoring, anti-fraud, marketing attribution, AI-driven recommendations
• Distribution and affiliate channels: comparators, white-label integrations, performance KPIs
• P&L responsibility: end-to-end management from acquisition to collection

Professional Links

• LinkedIn: linkedin.com/in/rostislav-sikora-4b70aa24
• Author Profile: credizen.net/ro-RO/despre-autor

Our Approach

Technology Foundation

Built on Microsoft Azure for enterprise-grade security, scalability, and compliance. We leverage Azure AI Foundry and Azure OpenAI Service for model development and deployment.

Explainability First

Every AI decision includes:

• Feature attribution showing which factors influenced the decision
• Reason codes in plain language for human review
• Audit trails linking inputs to outputs to decisions
• Documentation supporting internal governance and regulatory review

Compliance by Design

• GDPR Article 22 compliance: Human review for automated decisions
• Data governance: Version control, lineage tracking, retention policies
• Model governance: Evaluation reports, drift monitoring, change logs
• Security: Access controls, encryption, audit logging

Delivery Model

We work as a delivery-focused team, scoping workflows, producing model outputs with evaluation evidence, and integrating monitoring and governance artifacts.

Typical stakeholders: Risk/credit officers, product owners, compliance/governance teams, engineering/data teams

Our Values

Transparency: We explain how our AI works and document limitations Expertise: We bring deep domain knowledge, not just technical capability Partnership: We work alongside your team, not as a black box vendor Compliance: We build for regulated environments from day one Results: We focus on measurable outcomes and business value

Why Financial Institutions Choose Maloni

1. Proven Track Record: 2M+ loans, $5B volume, 25+ years experience
2. Regulatory Focus: Built for GDPR, EU AI Act, and financial regulations
3. Explainable AI: Every decision includes audit trail and explanations
4. Azure Native: Enterprise security and compliance from Microsoft
5. Boutique Service: Hands-on, personalized implementation

Industries Served

• Banks: Retail and digital banks seeking AI-enhanced lending
• Non-Bank Lenders: Alternative lenders and fintech companies
• Fintech Platforms: Lead generation, marketplace, comparison sites
• Specialized Finance: Vehicle finance, phone collateral, microloans

Geographic Focus

Primary markets: Central Europe (Czech Republic, Romania, Poland) Expanding to: Western Europe, select emerging markets Platform capabilities: Multi-language, multi-currency, multi-jurisdiction

Projects & Partnerships

Active implementations across multiple domains:

• credizen.net: AI lead generation and qualification for lending
• pleddu.com: Phone collateral lending platform
• autozastava24.cz: Vehicle collateral lending
• aiautodiagnoza.cz: AI-assisted diagnostics
• myzencheck.com: Health diagnostics workflows

Contact

Ready to explore how Maloni can support your AI initiatives?

Get in Touch:

• Phone: +420 775 625 664 (fastest response)
• Email: maloni@outlook.com

Next Steps:

• Explore our Solutions
• Learn about our Technology
• Read about AI Lending
• Contact us for a consultation: /contact