Arkéa Financements & Services reduces fraud while optimizing its allocation
The customer
Arkéa Financements & Services
Arkéa Financements & Services is a subsidiary of Crédit Mutuel Arkéa. In cooperation with its partners, Arkéa Financements & Services is committed to supporting and financing everyone's projects towards a responsible and sustainable future. It is a key player in financing in the automotive, motorcycle, recreational vehicle, home and general household equipment markets.
“With the Meelo solution, Arkéa Financements & Services reduces the cost of risk and the burden of fraud, but also maintains its overall model so that it is fair and accessible for all.”
Jean-Yves Kaiser
Risk Director
The use case
- Split payment (store journey): Secure against identity theft and the risk of non-payments.
- Open Banking (web journey): Evaluate the real solvency of B2C customers.
The challenges
Request for financing
Split payment
Minimum data collection:
- Phone
- Bank card
- ID
Traditional credit
Collection of complete supporting documents:
- Proof of income
- Identity documents
- Bank statements (if required)
- Proof of address
- Work contract
Fraud prevention
Unlike traditional credit, split payments rely on very little data.
Less information = more exposure to fraud at
identity and stolen cards.
How can you guarantee reliable authentication in a few seconds, without adding any friction to the customer journey?
Creditworthiness assessment
Risk assessment models still rely on fixed financial data.
Bank flows, the behaviors of
payment and cash management remain invisible.
How to build a true vision of risk without multiplying requests for supporting documents or slowing down the decision?
Data collected
- Balance sheets
- PDF statements
- Tax returns
→ A photo at a moment T
Static analysis
- Standard ratios (incomes/debts)
- Declarative-based models
→ Partial and erroneous vision
The solution
Fraud & risk scoring
Block fraud without slowing down real customers
- Real-time fraud scoring: Verify identity in seconds with no extra steps
- Predictive risk scoring: Reduces the risk of B2C arrears by identifying sensitive profiles.
- STransparent security: Maximum protection without slowing down the course
→Secured grant decision in less than 5 seconds
Open Banking
See financial reality beyond documents
- Bank aggregation: direct access to real financial flows
- Behavioral analysis: Reading payment and cash flow habits
- Dynamic scoring: valuation based on current financial health
- Smart categorization: precise vision of revenues, expenses and repayment capacities
→ Complete vision of the risk profile without paper justification
Result
Drastic reduction
bank transfer fraud
Impact business
- Immediate ROI: Tangible benefits from the first months
- Reducing the cost of risk: Mitigating against fraud and unpaid invoices
- Optimized customer experience: Reduction of irritants for reputable prospects.
- Sustainability of the service: Securing split payment
Evolution of collaboration
- B2B portal: Single interface centralizing controls and scores for the analysis of professional files
- Open Banking: Ongoing test to analyze real bank flows and behavioral assessment of solvency
- Continuous co-construction: Permanent adaptation of models to new types of fraud
Key success factors
- Business understanding: Credit expertise & shared technical skills
- Co-construction: Customized solutions developed with Arkéa F&S data
- Relational proximity: Responsive teams, customers listened to and considered
- Alignment of values: Common vision for responsible financing
Our customer cases Similar
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