Open Data, everything you need to know

Access to public data or Open data. A subject that is more topical than ever. A major challenge for the fight against fraud. And for good reason, digitization has generated a real democratization of fraud practices. Meelo helps you see more clearly about this concept and its challenges, particularly in the fight against fraud and the risk of non-payment.
What is Open Data?

Open data, in brief

Open data or "open data" concerns data to which access is completely open and free of rights. These data can be exploited and used.

It is ultimately the data that everyone can access, use and share. Governments, businesses and individuals can use it to create social, economic and environmental benefits.

Three criteria for talking about open data: availability, reuse and distribution, and universal participation (Definition of Open Knowledge).

In concrete terms, these are data that can be accessed because they are available online. They can be used because they are accessible in a common, machine-readable form.

Open data must be licensed. This license must allow free use and authorize users to transform, combine and share this data. Even for commercial purposes.

Principles and functioning of Open data

Free data must be:

> Primary : the data must be raw and unprocessed.

> Fresh : they must be accessible as soon as they are produced and regularly updated.

> Accessible : they must be available to the greatest number of users and preferably available for download or online.

> Non-discriminatory : the data must be usable by all without any discrimination in their use

> Machine-readable : they may be subject to automated processing by computer machines or artificial intelligence.

> An open format : the format of the data must not be the property of an organization or a company. > A free license : the data must be able to be modified and redistributed, including for commercial purposes.

Open data and GDPR: compatible or not?

The compatibility between the principle of open data and the GDPR is often questioned. Technically, accessible public data must respect the privacy of individuals . They can be anonymized in case of publication.

In the event that personal information is disseminated, it must respect the principle of “privacy by design” of the GDPR.

In this specific case, the persons concerned must give their prior consent.

What's at stake with Open Data for Business

Open data is a real opportunity for growth . Indeed, free access to sources of information, market studies are more effective.

Companies can use it to improve their services and products . A lot of information can be collected and integrated via APIs. Free access allows teams to focus on value-creating activities.

Open data in the fight against fraud

Open data makes it possible to fight fraud effectively. Meelo collects more than 400 data found in open data allowing to transmit a prediction score in a few seconds.

Our solution is based on the real-time analysis of customer data by combining artificial intelligence and open data in order to verify consistency with the identity (address, email, telephone, date of birth, etc.) and the documents provided ( payslips, identity papers, bank statements, etc.).

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