Reduce losses on vehicle financing and accelerate onboarding decision.

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Emerging fraud threats in auto finance

Auto finance is increasingly targeted by highly organized, sophisticated fraud schemes involving synthetic identities, identity theft, high‑quality forged documents, and exploitation of the dealer network through professional resale pipelines.

These complex schemes sit alongside more opportunistic fraud attempts from individuals or businesses motivated by financial pressure or looking to exploit weak points in the underwriting process.

The impact is significant: rising losses, degraded origination process, and lower straight‑through approval rates.

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Examples of observed fraud

• Synthetic identities supported by high‑quality forged documents that are impossible to spot manually.

• Dealer network exploitation by fraudsters leveraging poorly trained or poorly monitored distribution partners.

• Structured long‑term leasing fraud: newly created company + forged financial statements + re‑registration in a fake or dormant dealership, followed by rapid resale of the vehicle (domestic or export).

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How Bleckwen helps lenders to fight fraud

1. Behavioral analytics — impossible to forge, unlike documents.

2. Multi‑source data consistency checks: identities, businesses, dealers, vehicles, behavioral patterns.

3. Real‑time scoring: improved fraud detection, higher auto‑approval rates, fewer false positives.

4. Assisted investigations: decision‑support tools for fraud analysts.

ROI & Impact

→ –80% losses linked to financed‑vehicle theft.
→ +15% automatic acceptance rate.
→ Strong reduction of false positives.
→ Up to 2× faster decisioning times.

Protect your credit journeys while boosting automatic approvals.

Why BNPL and personal loans are vulnerable: fast processes, high volumes, and forged documents enable large-scale fraud. Synthetic identities completely bypass document checks.

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Why personal loans are a high‑risk product

Consumer Finance is exposed to fraud due to fast approval processes, high application volumes, and the shift to digital journeys.
This environment enables industrialized fraud—especially document forgery, which is extremely difficult to detect within ultra‑short decisioning windows.

Synthetic identities, in particular, circumvent traditional controls when lenders rely heavily on document‑based verification.

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Most common types of fraud

• Synthetic identity fraud

• Identity theft

• Document forgery and account takeovers

• “Two‑step fraud”: a first purchase to build trust, followed by a high‑value purchase that is contested or made with a stolen card

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How Bleckwen secures your credit journeys

1. Real‑time behavioral analytics without friction for the applicant.

2. Detection of fraud patterns specific to low‑ticket credit products.

3. Optimized scoring calibrated to your desired automatic‑approval level vs. risk exposure.

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Measurable impact

→ –50% losses on personal loans.

→ +20% automatic approval rate.

→ Higher instant decisions rate→ improved conversion and higher average basket size.

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Secure industrial equipment financing against well‑organized networks.

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A highly‑exposed industry

Leasing is highly attractive to organized fraud rings: a single fraud can represent tens of thousands of euros in losses.

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Typical fraud schemes

• Fake or manipulated identity or business, supported by tampered official documents

• Purchased / disguised company: nominee director (“front man”), forged financials, acquisition of high‑value assets, and rapid resale (domestic or export)

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How Bleckwen secures your operations

1. Structural analysis of the business (legal and financial consistency).

2. Detection of weak signals revealing a disguised or shell operation.

3. Automated prioritization to reduce analyst workload.

4. Assisted investigation for both origination and payment‑incident teams.

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Impact

→ –50% fraud‑related financial losses
→ –80% processing time per manual review
→ Detection of schemes invisible to traditional tools

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Our models also detect fraud in other industries where attacks are rapidly becoming more sophisticated.
Bleckwen easily adapts to your specific use cases.

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Property and casualty insurance

Detection of fraudulent claims, inconsistencies inclaims, repetitive patterns and collusion. Reduction in management costsand fasterclaim processing.

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Life insurance

Behavioural analysis and consistencychecks to prevent identity theft, subscription fraud,or irregular redemptions, even when documents appear valid.

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Provident & health insurance

Detection offalse declarations, manipulated identities,and abnormal repeatclaims. Ideal for securing online processesand reducing abuse.

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Equipment repurchase & financing

Protection against fake companies, suspicious redemptions, disguised activity ororganised networks seeking to obtain high-value equipment for quick resale.