Success Story ViveLaCar: Modular and technologically leading solution for risk and fraud protection

CLIENT: ViveLaCar GmbH is a mobility fintech start-up from Stuttgart without its own vehicle fleet. It uses young used cars and new cars from affiliated brand dealers, which are offered via ViveLaCar for use in a car subscription. ViveLaCar is always the contractual partner and thus also the guarantor for digital processing and the highest level of customer service. A few clicks are enough to access a wide range of current vehicles of many brands and models offered on a subscription basis on the platform and to book them fully digitally. With immediate availability and only three months' notice, offers customers unique flexibility. ViveLaCar thus closes the gap between short-term rental, purchase and leasing and takes care of all the necessary operations.

NEEDS: As a fast-growing startup, ViveLaCar has formulated a high demand for a flexible solution for secure credit checks and fraud prevention. The initial focus is on the German and Austrian markets, other markets are to be served successively - with low IT effort and reliable scalability.

SOLUTION: CRIF's Risk & Fraud solution checks private individuals in Germany and companies in Austria fully automatically in real time via a single interface. On the one hand, ViveLaCar benefits from the unique data quality of the market leader in the DACH region and, on the other hand, additional countries, data points and functionalities can be integrated quickly and easily via the existing interface. Due to this modular and flexible structure, the solution can be tailored to the individual business model.

RESULTS: Thanks to CRIF's solution, ViveLaCar now carries out manual credit checks in Germany and Austria in a fully automated and rule-based manner. With a regular exchange and professional advice, the KPIs in terms of acceptance rate, conversion rate and collection rate are met and optimized at short notice if necessary. The introduction of additional fraud minimizing measures by means of Identy Fraud Check and Payment Fraud Check are firmly scheduled. The implementation of dynamic credit limit management has also already been explored.

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