Self driving finance



Research & business. Spin-off of the University of Molise (Unimol), 110 Laude is an innovative start-up operating in fintech sector, based in Campobasso, Molise, Italy.


Survive the hard-times. Through the use of digital technologies, big data and artificial intelligence, we develop solutions to make financial management easy and understandable in an immediate, simple and comprehensive way. Our main goal is to grant the most appropriate financial tools for MSMEs and to ensure control over the relevant KPIs.


Planning for the future. We continuously provide monitoring of the financial situations also through forward-looking credit ratings under different scenarios.


Quality over quantity. We are developing AI-powered decision support system (DSS) based on high-quality data.


Control versus uncertainty. Thanks to our solutions MSMEs save time and money receiving continuous support before decisions are made.

Research Lab


Our current solution is based on software developed by Professor Michele Modina, founder of 110 Laude, which has been subjected to continuous enrichments over time. The software is used, through a license agreement, by up to 500 Italian MSMEs and networks of credit brokers.

Research and development

110Laude’s research interests mainly concern the management of the investment and financing techniques focused on the relationship between banks and firms, particularly for MSMEs. In the light of the introduction of new assessment model credit, 110 Laude integrates existing credit risk predictive models with multiple hard and soft information through the use of machine and deep learning techniques.

Grants and awards

ESRC Impact Acceleration Account, 2021. Project title: SME credit risk assessment: The role of market and accounting information.
Rotary Club, 2021. Innovative start up award.


University of Molise, Department of Economy (
The BIFE Laboratory - Bifelab (
Phedro Impresa (

Publications (more recent)

“Diagnosing default syndromes: Early symptoms of entrepreneurial venture insolvency”, Modina M., Zedda V. (in press), (2020), Journal of Small Business and Enterprise Development
“Financial ratios, corporate governance and bank-firm information: A Bayesian approach to predict SMEs’ default”, Gallucci C., Santulli R., Modina M., Formisano V. (2022), Journal of Management and Governance
“A data‐driven approach to measuring epidemiological susceptibility risk around the world", Alessandro Bitetto, Paola Cerchiello, Charilaos Mertzanis, (2021), Scientifc Reports
“Machine Learning and Credit Risk: Empirical Evidence from SMEs”, Alessandro Bitetto, Paola Cerchiello, Stefano Filomeni, Alessandra Tanda, Barbara Tarantino, (2021), ”, DEM Working Papers Series, University of Pavia


Automated decision support system for MSMEs to simplify financial management, and facilitate access to credit, saving the entrepreneur time and money.


financial analysis, industry comparison, company scoring.


driver identification, scenario analysis, planning and financial strategy.


final check, deviation analysis, plan and strategy correction.



110 Laude s.r.l.
Via Francesco De Sanctis, 86100 Campobasso (CB)

REA: CB-211814
C. F. / P. IVA: 01868050707

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