The European directive makes systematic creditworthiness checks mandatory from 20 November 2026
Meelo automates KYC, open banking scoring and fraud detection in a single API call or via our portal that integrates all verifications.
Verify income
Without requesting 3 months of payslips. Risk of declarative fraud and income overestimation.
Analyse real expenses
Rent, ongoing loans, subscriptions… without the customer being able to understate them.
Risk of over-indebtedness.
Streamline the customer journey
At onboarding, for every new customer, at every update or renewal.
Loss of customer conversion and risk of frustration.
Prove compliance
In the event of a regulatory audit, data and decisions must be retained for 3 years.
An undocumented internal scoring is no longer sufficient.
Deployed in a matter of days
Built to process millions of transactions every month
Demanding SLA
Ready-to-use interface
Native and automated integration
Bulk processing of files
Meelo connects directly via API to enrich your existing journeys, without rebuilding everything.
Fraud rate divided
for a credit / leasing client
To validate a file
vs. 48h previously
BNPL fraud
recorded across our clients
Scope, operational challenges, Open Banking, mistakes to avoid.