Kreditz was founded by a team with experience in technology, development, and business. The team has a history of working together on previous projects, including Logiq Pay AB, Fakturabörsen, and Relenda. They also have experience in industries such as insurance and media. The team is united by their education, which includes degrees in .NET program development and system development from Nackademin, as well as a degree in international business and entrepreneurship from Jönköping University.