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.
Scoring Data Meelo

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 : data must be usable by all without any discrimination in their use

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

> An open format : the data format must not be the property of an organization or 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 may be anonymized if published.

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 therefore use it to improve their services and products . A lot of information can be collected and integrated via APIs. Open 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.).

Discover all our articles

Meelo B Corp

Meelo, on the way to B Corp certification

Companies are increasingly aware of the importance of adopting responsible and sustainable business practices.
It is in this context that BCorp certification emerges, an approach which imposes high standards of social and environmental performance on companies.
Embarking on this approach goes well beyond simple recognition; it involves a profound transformation of the company and an assumption of responsibility towards its employees, the community and the environment. This article explores the major implications for Meelo, which decides in 2023 to take this important step towards a more responsible and committed business model.

Read more
Meelo Money 2020

Money 20/20 Amsterdam 2023: The highlights of the show

The Money 20/20 show is one of the most anticipated events in the financial and technology industry. The next edition will be held in Amsterdam in 2023 and will be an opportunity for attendees to discover the latest trends, cutting-edge technologies and meet thought leaders in the sector.

Read more