Solvency analysis:
No more risk of unpaid
Natural and legal persons
Categorization and aggregation of data via open banking to define a prediction score
Reduce the risk of fraud by 4 thanks to our solution to analyze businesses.
Advance with confidence with your customers, whether natural or legal persons.
Meelo offers you a solvency analysis solution based on the categorization and aggregation of data via open banking.
This method allows us to offer you an adaptable prediction score according to the needs of your business.
Reduce the risk of fraud by 4 thanks to plug and play
Verify the identity of a company, an applicant and its creditworthiness
to obtain a delinquency prediction score
to analyse the creditworthiness of a profile
Profiling and scoring for your growth
Get an automated award decision in less than 5 seconds
Solvency analysis
Secure your sales so that you can concentrate on your core business, with complete peace of mind
Meelo takes care of collecting all the elements necessary to analyse the creditworthiness of individuals or companies.
Thanks to open banking and the categorization of financial data operated by our machine learning and artificial intelligence models, our approach makes it possible to establish a scoring that goes beyond simple theoretical data.
Our more detailed analysis allows us to anticipate profiles at risk of non-payment… All these elements combined to establish a prediction score in a few seconds and limit the risk of non-payment.
Open banking
Categorisation
Cutting by NLP
Identification Keywords
Recurrence / time analysis
95% of transactions categorized
Predictive score for non-payment
Tax return
Data & Ratios
95% of transactions categorized
Predictive score for non-payment
Solvency analysis
An approach that goes beyond theoretical scoring
The fight against the risk of non-payment tends to exclude atypical profiles, which are wrongly considered less reassuring. This is true even if they pay their bills.
This approach can penalise you by causing a real loss of business. The Meelo approach is to identify the good payers. Because it's all about balance.
It is essential to make commitments responsible in order to fight against over-indebtedness without closing access to young people, to workers who are not on permanent contracts.
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Everything you need to know about solvency analysis
to combat the risk of non-payment
Open banking is characterised by the sharing of data collected by banking institutions on their customers with other companies.
This concept makes it possible to recover, with the customer's consent , 4 months of banking transactions.
This data is essential to enable credit or loan applications to be examined and to combat the risk of default.
Meelo via the aggregators retrieves this data to establish a prediction score.
Our credit analysis solution is aimed at both individual and legal entities(companies).
In just a few seconds, you can get a prediction score based on
Meelo is able to analyse risky profiles via a dedicated solution for analysing the creditworthiness of customer.
How ?
By checking the customer's profile, which is assigned a reliability score based on more than 500 data items. The algorithm is thus able to collect and analyse the information that customers leave available to everyone on the Web to study its consistency with what is declared. In this case, the banking data of a bank in an open banking approach.
This solution is the result of the combination of artificial intelligence and open banking.
PSD2 is a directive that has led to the widespread adoption of Open Banking.
This has led the creation of two new regulated payment services:
- account information services (“ SIC ”): the customer gives a trusted third party access to information about his payment accounts held with account management payment service providers
- payment initiation services ( SIP ): Customers make payments to third parties directly through a TC.
Firms that offering SICs and SIPs must be regulated or registered with their local financial regulator and must comply with certain obligations when providing these services.
Meelo offers you a solution that makes it easier for you to make credit decisions. Our solution is the most advanced on the market in terms of credit risk management.
Indeed, our scoring takes the approach of categorising the data although this is not mandatory for decision making.
It would be simplistic to rely solely on financial data such as account balance or the number of days overdrawn each month.
Our analysis goes further and is based on human behaviour, as financial data do not take into account savings-type behaviour.
And this is where categorisation comes in. It brings a finesse to the analysis that financial data alone cannot do.
Categorisation gives meaning to financial flows. Our credit risk prediction score allows for finer profiling.
Our credit analysis solution is also for companies ! In just a few seconds, you can decide whether or not to trust the company.
Meelo takes care in a few seconds of collecting all the elements necessary to identify a company (Kbis, tax package), of verifying the identity of the applicant and his capacity to commit the company then of analyzing the solvency thanks to intelligent data aggregation (financial ratios, current procedures and potential reactivations).
This solution concerns all types of companies, including micro-enterprises.
In this case, we use Open Banking and a B2B score to analyse the creditworthiness of this company.
The keys to understanding the metrics of meelo anti-fraud tools
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!
Rental for retailers: Meelo secures your income
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.
Detection of identical balance sheets
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.