Innovation Garage 2026 - CRIF Open Ideas
Want to build something bigger?
Our ideas ready for acceleration are looking for curious minds and creative hands.
Apply and help turn ideas into reality.
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Most active users
1° Giovanni
2500 pt
2° Andrea Greco
0 pt
3° Giulia De Santis
0 pt
4° Luca Mancini
0 pt
5° Marco Rinaldi
0 pt
Participants proposals awaiting evaluation.
Inserted
Agriculture and Food
Panino cor fegato de anatra
Selezionare solo anatre in fin di vita e panino solo arabo, poi metterce una mayo speziata, sedie pieghevoli colorate e anche selezione de gelato ar pistacchio
Agriculture and Food
Under review
xxxx
xxxx
Approved
Energy and Sustainability
Carbon-aware compute scheduler
A carbon-aware scheduler for our internal workloads. It reads real-time grid carbon-intensity signals and automatically shifts non-urgent batch jobs, CI/CD pipelines, model training and backups to the hours and regions where electricity is cleanest. A dashboard tracks avoided CO₂e per team and per project, turning an invisible cost into a visible KPI. We start as a pilot on one cluster, then expose it as a reusable internal service and, later, as a client-facing offering.
Energy and Sustainability
Inserted
Technology and IT
AI-Powered Open Banking Credit Predictor (or "CrediAI")
The idea integrates real-time transaction data from Open Banking APIs with CRIF’s traditional credit bureau data. By using machine learning models, the platform can analyze cash flow patterns, subscription consistency, and gig-economy income streams to provide a more accurate, dynamic credit score for "thin-file" customers (like freelancers or young adults) who lack a deep traditional credit history.
Technology and IT
Inserted
Corporate Carbon Footprint Tracker
An AI-driven SaaS tool that integrates with ERP and procurement systems to automatically calculate Scope 1, 2, and 3 emissions in real time. It provides actionable reduction recommendations, benchmarks against sector peers, and generates audit-ready reports for CSRD and GRI compliance. Designed for mid-market companies with limited sustainability teams.
Inserted
Urban Green Corridor Mapping Tool
A civic-tech platform that aggregates satellite imagery, sensor data, and citizen reports to identify urban heat islands and propose green corridor interventions. The tool supports municipalities and urban planners in prioritizing sustainability investments and tracking biodiversity recovery over time.
Inserted
Zero-Waste Packaging Marketplace
A B2B marketplace connecting companies that generate packaging waste with startups and SMEs that can repurpose it as raw material. The platform includes a waste-to-resource matching algorithm, logistics coordination, and an impact dashboard measuring tons of CO2 avoided and materials diverted from landfill. Targets the food, pharma, and e-commerce sectors.
Inserted
Solar Rooftop Sharing Network
A peer-to-peer platform that allows buildings to share excess solar energy from rooftop panels with nearby offices and residential units. The system uses smart meters and a blockchain-based ledger to track energy transfers and issue carbon credits to participants. Pilot target: 50 buildings in Milan within 12 months.
Inserted
Finance and Services
ESG Pulse: Real-time Sustainability Dashboard for SMEs
A lightweight ESG dashboard for SMEs that pulls data from accounting, energy and HR systems and produces a monthly sustainability snapshot, with peer benchmarks and improvement suggestions.
Finance and Services
Inserted
Technology and IT
Synthetic Data Sandbox for Risk Modellers
An internal sandbox that auto-generates synthetic credit datasets with privacy guarantees, available on demand for risk modellers running early-stage experiments.
Technology and IT
Inserted
Finance and Services
Counterfactual Explanations for Loan Officers
Counterfactual explanation engine that shows credit officers "what should change" for a borderline applicant to be approved. Reduces subjective decisions and improves coaching for SME advisors.
Finance and Services
Inserted
Technology and IT
Open Banking Data Quality Score
A scoring framework that rates the quality of open-banking data feeds across EU banks, helping us prioritise integration effort and provide partners with transparent SLAs.
Technology and IT
Inserted
Technology and IT
Behavioural Biometrics for APP Fraud Defence
Mobile SDK that captures device-level behavioural biometrics (typing rhythm, gesture patterns, gyroscope signals) to flag authorised-push-payment fraud in real time. Integrated with PSD2 SCA flows.
Technology and IT
Inserted
Professional Services and Consultancy
Voice-First Onboarding Assistant
A voice-first conversational assistant in Italian that guides customers through KYC, product selection and document capture, with seamless hand-off to a human agent on detected hesitation.
Professional Services and Consultancy
Under review
Technology and IT
Federated Learning for Telco-Bank Credit Scoring
A federated learning pilot between a bank and a telco operator that improves scoring of thin-file customers without exchanging raw personal data. Each party trains locally and only model updates are shared.
Technology and IT
Under evaluation
Energy and Sustainability
Internal Reverse-Mentoring Program on AI
A structured reverse-mentoring program in which junior data scientists pair with senior leaders to co-explore AI use cases. Six-month cycles, executive sponsorship and demo-day showcases.
Energy and Sustainability
Inserted
Professional Services and Consultancy
Fintech Partner Marketplace - Internal Edition
An internal marketplace listing pre-vetted fintech partners across credit, KYC, fraud and ESG domains, with case studies, pricing references and warm-intro requests.
Professional Services and Consultancy
Approved
Technology and IT
Visual Explainability Layer for Credit Decisioning
A pluggable visual layer that augments existing scoring engines with interactive SHAP/LIME-style explanations tailored to credit officers and end customers. Reduces back-and-forth with the model team and accelerates regulatory reviews.
Technology and IT
Innovative proposals to solve specific business needs.
Approved
Energy and Sustainability
Carbon-aware compute scheduler
A carbon-aware scheduler for our internal workloads. It reads real-time grid carbon-intensity signals and automatically shifts non-urgent batch jobs, CI/CD pipelines, model training and backups to the hours and regions where electricity is cleanest. A dashboard tracks avoided CO₂e per team and per project, turning an invisible cost into a visible KPI. We start as a pilot on one cluster, then expose it as a reusable internal service and, later, as a client-facing offering.
Energy and Sustainability
Community proposals in the prototyping phase (MVP).
Approved
Energy and Sustainability
Carbon-aware compute scheduler
A carbon-aware scheduler for our internal workloads. It reads real-time grid carbon-intensity signals and automatically shifts non-urgent batch jobs, CI/CD pipelines, model training and backups to the hours and regions where electricity is cleanest. A dashboard tracks avoided CO₂e per team and per project, turning an invisible cost into a visible KPI. We start as a pilot on one cluster, then expose it as a reusable internal service and, later, as a client-facing offering.
Energy and Sustainability
Approved
Technology and IT
Visual Explainability Layer for Credit Decisioning
A pluggable visual layer that augments existing scoring engines with interactive SHAP/LIME-style explanations tailored to credit officers and end customers. Reduces back-and-forth with the model team and accelerates regulatory reviews.
Technology and IT
The team's favorite community proposals.
Inserted
Agriculture and Food
Panino cor fegato de anatra
Selezionare solo anatre in fin di vita e panino solo arabo, poi metterce una mayo speziata, sedie pieghevoli colorate e anche selezione de gelato ar pistacchio
Agriculture and Food
Under review
xxxx
xxxx
Approved
Energy and Sustainability
Carbon-aware compute scheduler
A carbon-aware scheduler for our internal workloads. It reads real-time grid carbon-intensity signals and automatically shifts non-urgent batch jobs, CI/CD pipelines, model training and backups to the hours and regions where electricity is cleanest. A dashboard tracks avoided CO₂e per team and per project, turning an invisible cost into a visible KPI. We start as a pilot on one cluster, then expose it as a reusable internal service and, later, as a client-facing offering.
Energy and Sustainability
Inserted
Technology and IT
AI-Powered Open Banking Credit Predictor (or "CrediAI")
The idea integrates real-time transaction data from Open Banking APIs with CRIF’s traditional credit bureau data. By using machine learning models, the platform can analyze cash flow patterns, subscription consistency, and gig-economy income streams to provide a more accurate, dynamic credit score for "thin-file" customers (like freelancers or young adults) who lack a deep traditional credit history.
Technology and IT
Inserted
Corporate Carbon Footprint Tracker
An AI-driven SaaS tool that integrates with ERP and procurement systems to automatically calculate Scope 1, 2, and 3 emissions in real time. It provides actionable reduction recommendations, benchmarks against sector peers, and generates audit-ready reports for CSRD and GRI compliance. Designed for mid-market companies with limited sustainability teams.
Inserted
Urban Green Corridor Mapping Tool
A civic-tech platform that aggregates satellite imagery, sensor data, and citizen reports to identify urban heat islands and propose green corridor interventions. The tool supports municipalities and urban planners in prioritizing sustainability investments and tracking biodiversity recovery over time.
Inserted
Zero-Waste Packaging Marketplace
A B2B marketplace connecting companies that generate packaging waste with startups and SMEs that can repurpose it as raw material. The platform includes a waste-to-resource matching algorithm, logistics coordination, and an impact dashboard measuring tons of CO2 avoided and materials diverted from landfill. Targets the food, pharma, and e-commerce sectors.
Inserted
Solar Rooftop Sharing Network
A peer-to-peer platform that allows buildings to share excess solar energy from rooftop panels with nearby offices and residential units. The system uses smart meters and a blockchain-based ledger to track energy transfers and issue carbon credits to participants. Pilot target: 50 buildings in Milan within 12 months.
Inserted
Finance and Services
ESG Pulse: Real-time Sustainability Dashboard for SMEs
A lightweight ESG dashboard for SMEs that pulls data from accounting, energy and HR systems and produces a monthly sustainability snapshot, with peer benchmarks and improvement suggestions.
Finance and Services
Inserted
Technology and IT
Synthetic Data Sandbox for Risk Modellers
An internal sandbox that auto-generates synthetic credit datasets with privacy guarantees, available on demand for risk modellers running early-stage experiments.
Technology and IT
Inserted
Finance and Services
Counterfactual Explanations for Loan Officers
Counterfactual explanation engine that shows credit officers "what should change" for a borderline applicant to be approved. Reduces subjective decisions and improves coaching for SME advisors.
Finance and Services
Inserted
Technology and IT
Open Banking Data Quality Score
A scoring framework that rates the quality of open-banking data feeds across EU banks, helping us prioritise integration effort and provide partners with transparent SLAs.
Technology and IT
Inserted
Technology and IT
Behavioural Biometrics for APP Fraud Defence
Mobile SDK that captures device-level behavioural biometrics (typing rhythm, gesture patterns, gyroscope signals) to flag authorised-push-payment fraud in real time. Integrated with PSD2 SCA flows.
Technology and IT
Inserted
Professional Services and Consultancy
Voice-First Onboarding Assistant
A voice-first conversational assistant in Italian that guides customers through KYC, product selection and document capture, with seamless hand-off to a human agent on detected hesitation.
Professional Services and Consultancy
Under review
Technology and IT
Federated Learning for Telco-Bank Credit Scoring
A federated learning pilot between a bank and a telco operator that improves scoring of thin-file customers without exchanging raw personal data. Each party trains locally and only model updates are shared.
Technology and IT
Under evaluation
Energy and Sustainability
Internal Reverse-Mentoring Program on AI
A structured reverse-mentoring program in which junior data scientists pair with senior leaders to co-explore AI use cases. Six-month cycles, executive sponsorship and demo-day showcases.
Energy and Sustainability
Inserted
Professional Services and Consultancy
Fintech Partner Marketplace - Internal Edition
An internal marketplace listing pre-vetted fintech partners across credit, KYC, fraud and ESG domains, with case studies, pricing references and warm-intro requests.
Professional Services and Consultancy
Approved
Technology and IT
Visual Explainability Layer for Credit Decisioning
A pluggable visual layer that augments existing scoring engines with interactive SHAP/LIME-style explanations tailored to credit officers and end customers. Reduces back-and-forth with the model team and accelerates regulatory reviews.
Technology and IT
FAQ
What
is the Idea Management module?
Stimulate the creativity and entrepreneurial spirit of the members of your organization by collecting ideas and launching challenges to solve. It aims to develop the innovative culture in the company and stimulate and accelerate innovation.
What
are the ideas being implemented?
Although this Website may link to other websites, we are not directly or indirectly implying any approval, association, sponsorship, approval, or affiliation with any linked website, unless otherwise specifically stated herein.
You should carefully review the legal statements and other conditions of use of any website which you access through a link from this Website. Your linking to any other off-site pages or other websites is at your own risk.
What
is the difference between a business need and a business idea?
In the case of choosing the "company need" mode, the company activates the Idea Management edition to ask its people to propose initiatives to respond to specific internal needs identified by the people themselves. When the edition is set up to collect "business ideas", the company leaves participants free to propose any type of solution without constraints on thematic area or reference sector.
