The collected data is stored in so-called data lockers at the data trustee EuroDaT. Via a simple web application, the SME determines who may view the stored data. EuroDaT ensures that there is no unauthorized access by third parties and, conversely, that the authorized credit institutions always receive the current data. EuroDaT as a neutral data service provider and company of the state of Hesse ensures that the data is used in accordance with the contract.
The questionnaire is completed by SMEs via a simple web interface in the open-source platform Dataland. Dataland is a public good initiative for an open data ecosystem focused on sustainability information across Europe.
By combining the services of EuroDaT and Dataland, the technical and time effort of the entire process, from the collection and updating of the data, to the storage and release of the data to the credit institutions or associations by the SME is minimized. The credit institutions benefit from the uniform database and fast access to existing data, e. g. for new customers, without having to send out their own questionnaires.
For the provision of the infrastructure by EuroDaT and Dataland, only a usage fee is charged in total. Neither EuroDaT nor Dataland earns anything from the data itself. The data remains the property of the SME. For the SMEs, the use of MiNaBo is free of charge. The service fee is paid by the users of the data, i. e. credit institutions or associations.