FIDA: supervising the open finance with confidence

The FIDA (Financial Data Access) regulation is a continuation of the DSP2 directive, by expanding the opening of financial data to new sectors. Where DSP2 mainly focused on banking data, FIDA aims to go further: insurance, savings, credit, investment ... so many areas concerned by this new European regulation.

Let us continue our Immersion behind the scenes of the Meelo solution with a focus on the evaluation metrics used in our tools to combat fraud. If the Gini index remains a historic and recognized standard in the banking sector, our engagement for ever more efficient and responsible detection pushes us to go further and to integrate the most relevant metrics on the market. It is in this perspective that we have chosen to adopt, in addition to the Gini, an even finer measure in its probabilistic reading: the Brier Score. Our goal? Offer you a precise reading of your predictions and increased confidence in your decision -making. Explanations!

The retail sector crosses a major transformation, stimulated by the development of circular trade and the evolution of consumer expectations. Customers are looking for more and more flexibility and a more responsible approach to consumption, which pushes retailers to rethink their economic models. One of the major changes lies in the development of rental rather than sales. This model offers a direct response to growing demand for more sustainable consumption, and allows brands to capture new customer segments. But to make this mutation a success, retailers need efficient, flexible and secure tools.

An innovative SaaS B2B platform and thought for retail becomes a strategic lever to meet these challenges. It makes it possible to effectively structure the rental offers, while optimizing the management of inventory, omnichannel logistics and recurring payments. This is only possible thanks to the integration of advanced technology, including Meelo, a key player in optimizing the customer route via open banking and artificial intelligence.

Always more determined to fight fraud, Meelo strikes hard with a whole new functionality: detection of identical balance sheets. Thanks to this ultra innovative and efficient tool, it is now possible to identify in real time the usurpation of financial balance sheets. Often used to create ghost companies for fraudulent purposes, the copy of balance sheets represents an increasing part of financial scams, especially in the automotive financing sector. Faced with ever more organized fraudsters, the detection of identical balance sheets is a key lever to secure financial operations in B2B.