This study explores the elimination of information asymmetry in the European SME credit market through structural fintech innovation. By leveraging the mandated open-data architecture of PSD2 and PSD3, the research demonstrates how automated risk-assessment engines bypass legacy banking infrastructure using unified data-aggregation pipelines. The paper analyzes the integration of automated underwriting into digital marketplaces to achieve instant, data-driven credit configuration. Ultimately, this framework provides a scalable, asset-light methodology for executing efficient cross-border lending operations.