Data intelligence empowering credit decisioning
THE POWER OF OPEN BANKING

The credit decisioning revolution 

Analyze your customers' financial situation in seconds and make instant and smart credit decisions thanks to our solutions specially designed for credit granting.

Beobank
Fair Finance
Banque Française Mutualiste
Youdge
Noelse
Carrefour Banque
My Money Bank
Volkswagen
Sopra Banking Software
Franfinance
Crédit Agricole Personal Finance
Cetelem
Financo
Docaposte
Wordline
Toyota Financial Services
SolarisBank
Revolut
Provenir
Premista
Pledg
Oney
Mastercard
Floa
Cofidis
Alma

Deliver an optimal customer experience

  • Apply for credit or instalments with just a few clicks

  • Instant bank data sharing

  • Better conversion thanks to a seamless 100% digital journey

Boost your acceptance rate, control your cost of risk

  • Reliable, comprehensive data

  • Precise, credit-oriented data categorization

  • Risk indicators

Discover our new demo 🔥

Test the performance of our solutions for instant credit decisions. No registration required.

Discover our new demo 🔥

Test the performance of our solutions for instant credit decisions.

Open Banking
for an informed credit decisions

Open Banking refers to the secure sharing of banking data (DSP2) with a third party to benefit from various financial services.

Open Banking provides a smoother, 100% digital customer experience, with, in the case of a credit application, the possibility of obtaining preferential offers and an instant response.

When it comes to credit decisioning, Open Banking provides access to reliable, up-to-date data for faster, fairer, more inclusive and less risky credit decisions.

The Algoan credit decisioning journey

From the customer journey to the decision making, Algoan offers a global solution for more efficient credit decisions.

Our solutions enable you to access your customers' banking data and analyze it in a matter of seconds using our cutting-edge algorithms. The result of this analysis is then accessible via API, or visible on Dashboard. 

With over 90 categories with an unrivalled degree of accuracy (99%) and multiple creditworthiness indicators, banking data analysis gives you access to new knowledge and granularity for faster, more accurate decision-making.

Why Algoan?

80%
Gini coefficient
99%
More precise categorization

Security as a priority

Security and regulatory compliance (RGPD, DSP2) as pillars of our product strategy and infrastructures.

Customized support

A team of experts in data analysis, risk management, legal compliance and cutting-edge technologies.

Strategic partnerships

A network of high value-added partners to provide an end-to-end solution for your needs.

*The Gini coefficient represents the model's ability to distinguish between borrowers who will default and those who will repay their loans. It indicates the discriminatory power of our score.
A project? A question? 

Would you like to change the way you make credit decisions? Let's talk!

They're talking about us

Algoan transforms consumer credit at Crédit Agricole PFM.
A lender can lend to more customers, including some whose profiles would have been rejected by conventional scoring tools, or lend the same amounts while reducing their risk, which is a gain in itself.
Algoan makes it possible to grant credit to people who would not otherwise have it. Fraud is halved.

A project? A question? 

Would you like to change the way you make credit decisions? Let's talk!