Understand the issues before deciding

Contractual commitment to the level of availability and performance of a solution.

Technical architecture that relies on several bank aggregators in parallel.

Accounting and tax documents declared annually by a company.

The official document that attests to the legal existence of a company in France.

Bank connection in one gesture, directly from the bank's application.

The process of integrating a new customer, from the first request to the activation of the service.

Software deployment model where the solution is hosted and maintained by the publisher, accessible via the internet.

The path a customer takes from the first interaction to the final decision.

The path a customer takes from the first interaction to the final decision.

Detect warning signs in a user's digital behavior, even before submitting a file.

Delay between the submission of a file and the acceptance decision.

Verify that the IBAN and the name of the beneficiary match before any transfer.

New European directive that reinforces the obligations to assess solvency before granting a loan.

Extensive level of verification for high-risk profiles.

Devices for the detection and prevention of money laundering.

European regulation that regulates the collection and processing of personal data.

Regulatory requirements that require verifying the identity of customers and monitoring transactions.

The European directive that makes Open Banking possible and regulates access to bank data.

Simultaneous analysis of all the accounts of a client, in several establishments.

Immediate split payment, particularly exposed to fraud and the risk of over-indebtedness.

Account that regularly goes negative, a sign of structural tension between income and expenses.

Bank rejection or unpaid (debit rejected, check without provision, unauthorized overdraft.)

Real ability to honor monthly credit payments, beyond declarations.

Ratio between reimbursement expenses and net income, capped at 35% by the HCSF.

What is still available after all fixed charges, the true indicator of repayment capacity.

What a customer says versus what their bank flows reveal

Mass processing of files, in a single grouped operation.

Technical interface to integrate Meelo directly into your existing courses, without IT adherence.

Technical service that connects to several banks to centralize account data.

Score calculated in real time to assess the risk level of a case and adapt the customer journey.

Automatic classification of each transaction by nature, with 99% accuracy.

Reading the chip integrated into passports and identity cards to access certified data.

Verification that the person presenting a document is in fact its legitimate owner.

Automatic extraction of data from a PDF or image document.

AI technology that automatically understands and categorizes bank transaction labels.

Continuous machine learning to detect new fraud patterns.

An AI that justifies its decisions in an understandable, ethical and regulatory manner.

AI model developed in-house by Meelo, trained on real fraud and credit data.

Discreet clue that, when combined with other data, reveals fraudulent behavior.

Refusing a good customer or accepting a fraudster: the two mistakes that Meelo helps avoid.

Accumulation of credits not declared with several institutions.

An organized pattern involving multiple entities to conceal fraudulent intent.

A legally constituted company but with no real activity, created for fraudulent purposes.

AI-generated video or image to impersonate a real person.

Fictional identity built from real and invented data to get under the radar.

Real-time digital journey analysis to detect fraudsters before they submit a case

The natural person who actually controls a business, behind the legal structures.

Same scoring as with Open Banking, without a direct connection to the bank

Secure access to a customer's real banking data, via DSP2 and with their consent.

Company Trust Score + Fraud Score Identity of the legal representative, crossed in real time.

A company may appear to be reliable and be 100% fraudulent.

A score. Over 400 cross signals. A decision in 2 seconds.

What a customer declares and what they actually earn are often two very different things.

Behind a good business can be a well-established scam.

Is your customer really who they say they are?