Innovation Garage 2026 - CRIF Open Ideas
Hai un’idea?
Falla brillare
Inviare un’idea è semplice. Il suo impatto può essere grande.
Vuoi costruire qualcosa di più grande?
Le nostre idee pronte per l’accelerazione cercano menti curiose e mani creative.
Candidati e aiuta a trasformare le idee in realtà.
Hai ancora
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per candidarti
Utenti più attivi
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
Le proposte dei partecipanti in attesa di valutazione.
Inserita
Agricultura e Cibo
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
Agricultura e Cibo
In revisione
xxxx
xxxx
Approvata
Energia e sostenibilità
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.
Energia e sostenibilità
Inserita
Tecnologia e 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.
Tecnologia e IT
Inserita
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.
Inserita
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.
Inserita
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.
Inserita
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.
Inserita
Finanza e Servizi
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.
Finanza e Servizi
Inserita
Tecnologia e 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.
Tecnologia e IT
Inserita
Finanza e Servizi
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.
Finanza e Servizi
Inserita
Tecnologia e 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.
Tecnologia e IT
Inserita
Tecnologia e 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.
Tecnologia e IT
Inserita
Servizi Professionali e Consulenza
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.
Servizi Professionali e Consulenza
In revisione
Tecnologia e 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.
Tecnologia e IT
In valutazione
Energia e sostenibilità
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.
Energia e sostenibilità
Inserita
Servizi Professionali e Consulenza
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.
Servizi Professionali e Consulenza
Approvata
Tecnologia e 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.
Tecnologia e IT
Le proposte innovative per risolvere esigenze aziendali specifiche.
Approvata
Energia e sostenibilità
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.
Energia e sostenibilità
Le proposte della community in fase di prototipazione (MVP).
Approvata
Energia e sostenibilità
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.
Energia e sostenibilità
Approvata
Tecnologia e 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.
Tecnologia e IT
Le proposte della community preferite dal team.
Inserita
Agricultura e Cibo
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
Agricultura e Cibo
In revisione
xxxx
xxxx
Approvata
Energia e sostenibilità
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.
Energia e sostenibilità
Inserita
Tecnologia e 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.
Tecnologia e IT
Inserita
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.
Inserita
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.
Inserita
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.
Inserita
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.
Inserita
Finanza e Servizi
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.
Finanza e Servizi
Inserita
Tecnologia e 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.
Tecnologia e IT
Inserita
Finanza e Servizi
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.
Finanza e Servizi
Inserita
Tecnologia e 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.
Tecnologia e IT
Inserita
Tecnologia e 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.
Tecnologia e IT
Inserita
Servizi Professionali e Consulenza
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.
Servizi Professionali e Consulenza
In revisione
Tecnologia e 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.
Tecnologia e IT
In valutazione
Energia e sostenibilità
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.
Energia e sostenibilità
Inserita
Servizi Professionali e Consulenza
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.
Servizi Professionali e Consulenza
Approvata
Tecnologia e 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.
Tecnologia e IT
FAQ
Che cos'è il modulo di Idea Management?
Stimola la creatività e lo spirito imprenditoriale dei membri della tua organizzazione raccogliendo idee e lanciando sfide da risolvere.Ha l’obiettivo di sviluppare la cultura innovativa in azienda e stimolare e accelerare l’innovazione.
Che cosa sono le idee in fase di implementazione?
Sebbene questo sito Web possa essere collegato ad altri siti Web, non lo siamo direttamenteo indirettamente, implicando qualsiasi approvazione, associazione, sponsorizzazione, approvazione,o affiliazione con qualsiasi sito web collegato, se non diversamente specificato nel presente documento.
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.
Qual è la differenza tra need aziendale e idea di business?
Nel caso di scelta della modalità "need aziendale", l’azienda attiva l’edizione dell’Idea Management per chiedere alle proprie persone di proporre iniziative per rispondere a bisogni interni specifici identificati dalle persone stesse.Quando l'edizione è impostata per la raccolta di "idee di business" l’azienda lascia i partecipanti liberi di proporre qualsiasi tipo di soluzione senza vincoli di area tematica o settore di riferimento.
Notifiche
Tutte le app
