Built on Questions That Kept Us Up at Night
Back in 2019, we were working with small lenders who'd spend days reviewing credit applications. Manual checks. Spreadsheet after spreadsheet. And still, they'd miss patterns that computers could spot in seconds.
So we asked ourselves: what if AI could handle the heavy lifting? Not replace judgment—just sharpen it. That question became Aaouelim, and we've been refining our approach ever since.
How We Actually Work
We're not the type to claim our algorithms are magic. They're just really good at pattern recognition—trained on years of financial data, market shifts, and payment behaviors.
When a client submits an application, our system runs it through multiple assessment layers. Credit history gets analyzed alongside spending patterns, industry trends, and dozens of other signals. The output? A clear risk profile that helps lenders make faster, more informed decisions.
But here's what matters most: we don't give yes-or-no answers. We provide context. Our reports explain which factors influenced the assessment and where potential concerns lie. That way, your team stays in control while having better data to work with.
Every quarter, we review our models against real-world outcomes. If something's drifting, we adjust. It's not glamorous work, but it keeps our assessments reliable as markets evolve.
Speed Without Shortcuts
Most risk assessments that took three days now take minutes. We automate the tedious parts—data gathering, cross-checking, pattern analysis—so your team can focus on the decisions that actually need human insight.
Built for Adaptation
Markets change. Regulations shift. We keep our models current through continuous training and regular validation. When economic conditions evolve, our assessment criteria adjust to reflect new realities.
Transparency First
Every risk score comes with clear reasoning. You'll see which factors pushed the assessment higher or lower, what data points were most significant, and where additional review might help. No black boxes.
What You Can Expect
Our platform integrates with existing workflows—you're not rebuilding your systems. Upload applications, connect your data sources, and start receiving detailed risk assessments within your current process flow.
Most clients see results in their first month. Faster application processing, more consistent risk evaluation, and fewer surprises down the line. We handle the technical complexity so you can focus on growing your business.
And we stick around. Implementation support, ongoing training, regular check-ins. If something's not working right, you'll hear back from us within hours, not days.
Five Years of Progress
From a small proof-of-concept to a platform processing thousands of assessments monthly, here's how we've grown alongside our clients.
2019
Foundation
Started with a prototype that analyzed basic credit data for three local lenders in Strasbourg. The accuracy wasn't perfect, but it was promising enough to keep building.
2021
Scale and Refinement
Expanded across France with improved models trained on broader datasets. Added support for multiple lending scenarios—consumer credit, business loans, commercial leasing. Our assessment accuracy jumped significantly.
2023
Predictive Capabilities
Launched forward-looking risk modeling that factors in market trends and economic indicators. Clients could now assess not just current risk, but potential changes over time.
Today
Continuous Evolution
Processing risk assessments for lenders across multiple sectors. Our models update monthly, our reports get clearer, and we're still finding ways to make the system smarter without making it more complicated to use.