The European Credit Research Institute (ECRI) is a think-tank managed by CEPS and has its own board with its own strategy. At present, its funding is based on some combination of research projects and membership fees. ECRI is supported by 10 prestigious members whose primary focus is on payments and consumer loans:

Corporate Members:  ACI Worldwide, Banco Santander, Finastra, Klarna, Schufa, SIBS, VISA.

Associate Members: Ripple

More on membership can be found here.