Supporting documents, a hindrance to the customer experience
Necessary in many sectors (banking, insurance, real estate, etc.) for the creation of files, supporting documents are a disruption to the customer experience. The sheer number of documents to be collected, digitized and transmitted is a real hindrance to the user. The high abandonment rate at this stage of the user journey is a direct consequence of this reality.
At the same time, for companies, this regulatory constraint leads to a sharp rise in compliance expenditure, notably through a massive increase in staffing levels (control, risk and compliance functions, but also customer service).
Netheos has developed technologies to support users in this tedious process. They analyze downloaded documents in real time, and automatically provide feedback to the user if necessary. They also protect against document fraud, thanks to advanced authenticity checks.
A solution that secures the sharing of personal data
As an alternative to downloading receipts, Netheos now offers the MiTrust aggregation solution, which enables users to share data and receipts directly from their service providers (major billers, telephone operators, tax authorities, etc.) to the Netheos client who requests them. All 100% online, under strict user control and without downloading.
Registered with the ACPR Banque de France as an Account Information Service Provider, already present in 3 European countries and with customers in 5 industries, MiTrust offers Netheos its technology and experience in two main use cases:
- Compliance and anti-fraud applications
- Automatic form filling, thanks to the recovery of extended data (not necessarily appearing on the receipt).
The overall aim of integrating this technology is to simplify, secure and accelerate the retrieval of customer credentials (home, income, bank), all while capitalizing on new user rights linked to the RGPD (more specifically, the Right to Data Portability and the principle of Data Minimization).
"We were looking for a partner who could help our users simply share their personal data while ensuring their security. MiTrust enabled us to implement the smoothest and most secure subscription path for both the end user and our customer"
Multiple benefits
For the user, document retrieval time is drastically reduced: no need to scan, photograph, transfer or download the document. The user connects via MiTrust to one of his MiTrust-connected service providers, selects and validates the sharing of his data and documents instantly. Subscription is simplified and the abandonment rate reduced: just as it is anachronistic today to pay for an online purchase with cash or cheque, it will soon be so to use a document download to transfer qualified data.
The company requesting the credentials is guaranteed to receive documents that are 100% authentic and reliable, since they cannot be altered by the user. For companies, this solution is a real bulwark against document fraud. File processing costs are reduced to a minimum, as they do not need to be verified by an operator. Regulatory obligations are thus fully met.
A shared vision of responsibility
At Netheos, as at MiTrust, our ambition is to develop data-sharing solutions that reconcile security and customer experience, as well as responsibility.
As Xavier Drilhon confirms:
"Without trust, no transaction is possible, and this is even truer in the digital world! MiTrust's mission is to make digital relationships more harmonious by reconciling security and simplicity through online sharing of reliable personal data. Thanks to Netheos, we can immediately offer this vision of responsible personal data sharing to a large number of players, particularly in the financial sector."
