Any questions?

Onboarding enables Algoan to work closely with your organization to create a customized pathway for integrating our products into your ecosystem. This approach simplifies your project management, improves operational efficiency and accelerates time-to-market.

The Onboarding product simplifies the creation of a customer journey, from the retrieval of the loan applicant's Open Banking data, to communication between your ecosystem and the various Algoan products. This reduces time-to-production and improves operational efficiency. Last but not least, Onboarding enables you to easily evolve your course according to your needs, helping you to remain agile and competitive in the marketplace.

To activate Onboarding, please contact us.

To activate Transaction Data in your project, please contact an Algoan sales representative.

No, Transaction Data is not mandatory. You can use Open Banking data retrieved by any other means, as long as you comply with Algoan's API format. However, Transaction Data is the solution natively compatible with Credit Score and Credit Insights. So using Transaction Data simplifies your integration.

For the moment, Transaction Data is only available in France, but other countries will soon be able to benefit from this product. Please contact us to discuss your requirements.

Credit Insights is a product that categorizes transactions and contains a list of indicators you can use in your credit decision engine. More details in our documentation.

Analysis time depends on the number of accounts and transactions. In the vast majority of cases, our analyses are ready in a matter of seconds.

Our free plan allows you to make 100 API calls/month. Once your product is in production, we can increase the monthly call quota according to your needs.

The API key is available in our console. Select the project of your choice and click on API Credentials. Here you'll find the client_secret and client_id for your API calls.

The API key is available in our console. Select the project of your choice and click on API Credentials. Here you'll find the client_secret and client_id for your API calls.

Our free plan allows 100 API calls/month. Once your product is in production, we can increase the monthly call quota according to your needs.

Analysis time depends on the number of accounts and transactions. In the vast majority of cases, our analyses are ready in a matter of seconds.

Credit Score and Payment Score are two distinct indicators of an individual's creditworthiness, each designed for a specific purpose.

Credit Score is a global evaluation, rated on a scale from 0 to 1000, based on the individual's long-term financial behavior, and defining as default 3 consecutive months of unpaid debts within the first 12 months of repayment.

Payment Score is an evaluation rated on a scale of 1 to 10. It focuses on the probability of default within 3 months of aggregation, and considers 1 month of non-payment within these 3 months as a default.

Payment Score is available in most European countries. You will find the geographical coverage of our products on this page.

Payment Score is particularly well-suited to short-term credit decisions, such as those linked to "Buy Now, Pay Later" (BNPL) services or short-term loans.

Payment Score focuses on assessing the probability of default within a 3-month period following account aggregation. By taking into account factors such as the evolution of the account balance and the regularity of income, Payment Score offers a rapid but relevant overview of an individual's recent financial behavior.

Yes, Credit Score is one of the widgets you can activate to suit your needs.

Yes, you can enable/disable predefined widgets to suit your needs. However, you cannot customize widget content.

Shield relies on 6 key elements: first and last name, telephone number, email address, IP address and postal address. For each of these elements, Shield validates its authenticity and checks that it matches the others. For example, it checks that the email address matches the name of the person applying for a loan.

But Shield goes even further, thanks to Open Banking, by checking whether declarative identity data is consistent with information extracted from bank data. For example, it is able to establish whether or not the declared mobile number matches the mobile plan subscription identified in the applicant's banking transactions.

Open Banking is not mandatory, and Shield can operate on just a few identity elements such as a person's first and last name, and postal address.

However, Open Banking enables Shield to provide enhanced and optimal protection against fraud, as Open Banking data is retrieved directly from the applicant's banking institution, drastically limiting the possibilities of fraud.

Our product is capable of extracting several signals from this banking data to detect any suspicious behavior and assess fraud risk.

Shield works via API, enabling you to obtain a response in real time. So the customer experience is not impacted.

All you need to do is implement a system of rules using the indicators and risk score delivered by Shield, to determine the authenticity of the applicant's profile, and carry out a manual review of the suspicious profiles if you wish.

Shield protects against synthetic identity fraud, in which real (but stolen) identity data is combined with fictitious information to create new identities.

Shield also acts as a shield against traditional identity theft. This type of fraud involves stealing an individual's personal information to impersonate them in order to gain access to financial resources or other benefits.

Therefore, this product offers comprehensive protection against the types of fraud associated with credit applications.