L’intelligence de la donnée au service de la décision de crédit

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.

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Crédit Agricole Personal Finance & Mobility

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.

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Découvrez notre nouvelle démo 🔥

Testez la performance de nos solutions pour une prise de décision de crédit instantanée.

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🔥 NEW - Discover the power of our solutions in our new demo!

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.

Consumer credit

Offer your customers the experience of an instant credit application.

$Paiement fractionné$

BNPL

Gain real control over your risk, without compromising the shopping experience.

Intermediation

Make faster, more effective decisions by optimizing your processes.

Car finance

Revolutionize the car financing experience, both in the dealership and remotely.

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.

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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.

Un projet ? Une question ?

Vous souhaitez changer votre manière de prendre vos décisions de crédit ? Discutons-en !

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They're talking about us

Algoan transforme le crédit à la consommation chez Crédit Agricole PFM.

Un prêteur peut prêter à davantage de clients, y compris à certains dont les profils auraient été rejetés par les outils de scoring classiques, ou bien prêter les mêmes montants tout en réduisant leur risque, ce qui constitue un gain en soi.

Algoan pushes back the frontiers of Open Banking to make credit more accessible and responsible.