BEAC COMPLIANCE + ZERO FRAUD GUARANTEED

• BEAC audits: 3 months of stress, teams mobilized, fines that can wipe out a year of profit
• Internal fraud: 30% goes unnoticed, and each incident costs months of margin
• Manual scoring: 48h to analyze a file, 15% error rate

• Money laundering: Post-mortem detection, reputational sanctions
• Risk provisions: 20% of NBI tied up by lack of prediction
• Regulatory reporting: 40h/month dedicated team, frequent errors

BEFORE INOVA AI (Critical Situation)

• BEAC audits = 3 months of hell and eight-figure fines
• 45 undetected frauds = the annual payroll of an entire branch
• Manual scoring = 25% bad debts
• Compliance team of 12 people overloaded

AFTER INOVA AI (6 Months Later)

• Last BEAC audit passed in 2 days, zero remarks
• 97% of fraud blocked automatically = losses divided by 30
• Bad debts cut from 18% to 8% = more than half of the losses recovered
• Compliance team refocused on strategy = +40% productivity