A solution dedicated to the overall performance of your lending processes
From financial data collection to credit application management, benefit from cutting-edge tools designed to improve your efficiency.
Make better decisions
Securely collect financial data and leverage real-time, comprehensive creditworthiness analysis to deliver instant, tailored responses to your customers. Manage your credit applications before and after approval, while optimizing your processes and customer support.
Administrez vos dossiers de crédit avant et après l’octroi et optimisez vos process et votre accompagnement client.
Bank data collection
Access comprehensive, reliable, and up-to-date data.
- Tailored Open Banking data aggregation designed for lending use cases.
- AI-powered document OCR
- Connection to multiple data sources
Credit decisioning support
Make faster, smarter decisions to improve the performance of your lending products and enhance customer satisfaction.
- Custom categorization designed for lending use cases
- Reliable, real-time creditworthiness analysis: fixed expenses, recurring income, subscriptions, loan repayments, risk indicators, and more.
- Behavioral score on a scale from 0 to 1,000
- Automated or manual decision-making
Customer monitoring and debt collection
Support your customers with a personalized and proactive approach throughout the entire credit lifecycle.
- Automatic refresh of bank data with customer consent
- Manage credit applications through a dedicated interface
- Creditworthiness analysis monitoring
CCD2 compliance
Ensure compliance with our turnkey solution.
- Advanced aggregation features to ensure comprehensive financial data coverage
- Budget proof certifying the income and expense bank data used for creditworthiness analysis
Fraud protection
Rely on an integrated 360° fraud protection solution.
- Synthetic identity fraud detection tool
- Additional consistency checks powered by Open Banking data
Ensure your compliance and security
Benefit from solutions natively designed to comply with European standards and regulations, while protecting you against fraud risks.
Benefit from expert support
With over 8 years of experience and as a pioneer in Open Banking-powered credit decisioning, Algoan supports you in transforming your lending processes and designing seamless credit application journeys.
Algoan consulting
Benefit from tailored support unlike anything else on the market for your lending projects.
- A unique partner with cross-functional expertise for your Open Banking credit journeys: tech, data, compliance & UX
- Personalized support tailored to your organization’s needs
Why choose Algoan?
Security as a priority
Security and compliance challenges (GDPR, PSD2) are at the core of our product strategy and infrastructure.
Learn more
Tailored support
A team of experts in data analysis, risk management, regulatory compliance, and cutting-edge technologies.
Strategic partnerships
A network of high-value partners delivering comprehensive solutions to meet your needs.
“
Since deploying Algoan solutions, Sofinco has achieved significant performance gains, including an increase of nearly 35% in GINI thanks to this new creditworthiness assessment system.Algoan
”
Deputy Chief Risk Officer
A project? A question?
Looking to change the way you make credit decisions? Let's talk!
