Use Case • Banks, Automakers & Vehicle Leasing Companies

Prevent Fraud in Lease Financing Before You Approve Funding

Instantly verify customer identities and supporting documents to approve vehicle leasing applications with confidence. AITECA analyzes documents, validates authenticity, and streamlines the application process for your customers. Secure your leasing and financing workflows while accelerating approvals and driving business growth.

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Leasing Fraud Prevention

Automated Follow-ups

Digital & In-Branch

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‑75%

reduction in processing time

100%

cases verified and compliant

+20%

increase in online conversion

manual data re-entry

Challenges

Streamline the verification of lease applications and unlock sales performance

Say goodbye to administrative overload, mounting pressure from fraud risks, and overly long customer journeys, three pain points that weigh on the customer experience, your teams, and your revenue.

Overburdened Teams

With the rise in lease applications, collecting and verifying supporting documents and following up with customers is overburdening your teams with administrative tasks at the expense of sales activities.

Our Response

Automated checks :
your teams can refocus on sales

A Critical Risk of Fraud

Fake pay stubs, forged tax notices, documents used at multiple dealerships: fraud is skyrocketing. If detected too late, it exposes the dealership to unpaid bills or, worse, vehicle theft.

Our Response

Fraude is detected before the vehicle
is delivered.

Frustrating Customer Experience

Endless back-and-forth with the salesperson, unclear customer portal notifications, and long response times: an overly complex journey drives buyers to a more responsive competitor offering a seamless experience.

Our Response

A guided and transparent
journey that drives conversions

Process

A 100% Seamless and Secure Process, from Document Collection to E-Signature

Free your managers from repetitive tasks! AITECA coordinates the six steps involved in putting together a financing application. Select a step to discover the feature and its key characteristics.

Step 1 / 6

Guided Document Upload

The remote customer, or the sales representative at a branch, accesses a secure upload portal to submit the required supporting documents. The list of documents is tailored to the customer’s profile (business or individual) and the type of financing (bank loan, long-term lease, or lease-to-own).

Key Features

Secure upload link, available on mobile and desktop

Customizable document list (lease-to-own, long-term lease, loan — business or individual)

Image quality control and optimization: framing, sharpness, legibility

Automatic document recognition and sorting

Interactive document upload with real-time customer feedback

GDPR-compliant upload with two-factor authentication

Step 2 / 6

Automatic Data Extraction

Upon receipt, each document is analyzed. AITECA coordinates multiple specialized AI systems to extract key information (identity, address, income, dates, references, etc.) with the best balance of accuracy and cost.

Key Features

Coordination of AI systems by context (handwritten, multilingual, open-form letters, etc.)

Extraction of key fields: identity, income, IBAN, address, etc.

Multi-zone data extraction: text, photo, stamp, MRZ, 2D-DOC, etc.

Understanding of complex tables and structures

Reliability score provided for each piece of data read

Data normalization according to your IT standards: addresses, IBANs, dates, etc.

Step 3 / 6

Document Fraud Detection

AITECA verifies the authenticity of each document by combining multiple analyses: images, content, metadata, and checks against external databases. Fake documents are identified as early as possible, before any contractual commitment is made.

Key Features

Risk detection before contract signing

Detection of altered documents (e.g., proof of identity or proof of residence)

Identification of AI-generated fake documents

Metadata analysis (modification date, social media, software, author, etc.)

Checking for inconsistencies between documents (e.g., pay stubs and tax notices)

Verification against external databases (e.g., 2D-DOC certificates, employer databases, etc.)

Step 4 / 6

Compliance Checks & Business Rules

Automatically verify the compliance of the financing request and its supporting documents against your terms and conditions, business rules, and obligations, with a complete audit trail.

Key Features

Application completeness check based on customer profile / financing type

Verification of amounts and creditworthiness calculation

Validity and recency of supporting documents (e.g., utility bill less than 3 months old)

Cross-referencing with external databases (e.g., tax year, address database, etc.)

Application of your business rules, configurable by document and data type

Complete audit trail and traceability

Step 5 / 6

Completeness Checks & Automated Follow-Ups

Automatically notify your customers about missing or non-compliant supporting documents and ensure each application is completed, without tying up your sales teams with customer follow-ups.

Key Features

Automatic email and SMS reminders

Detection of missing or expired documents

Personalized messages for each customer

Real-time tracking of document completeness

Scheduled reminders and escalations

Tracked communication history

Step 6 / 6

Pre-Filled Contract & Electronic Signature

The financing contract is pre-filled using verified data from the customer file and then signed online with full legal validity—to close the sale faster, whether in person at a branch or remotely.

Key Features

Contract pre-filled using verified data from the customer file

Generated in accordance with your brand guidelines and visual identity (lease-purchase, long-term lease, loan)

eIDAS-compliant electronic signature

Signatory identity verification and “read and approved” statement

Stamp, timestamp, and proof of signature

Legally compliant archiving

Secure Your Leasing Cases, Enhance Your Vigilance

AITECA gives your teams the right signals at the right time to make every decision more reliable.

AI Assistant

Louna secures every car rental file

The AI assistant verifies the validity of the driver’s license, flags documents that need to be checked, and prepares the contract, leaving the agent free to focus on the customer.

Driver’s License Verification

Category, validity, and authenticity are checked automatically.

File Completed in Minutes

No more waiting at the counter: the process starts immediately.

Full Traceability

Every document and every check is archived for your records.

Base M+ • Exclusive to AITECA

Break Down Barriers in the Fight Against Fraud

The same document may be submitted to multiple entities, rental agencies, dealerships, and financial institutions. Only Base M+, a shared database of document fingerprints exclusive to AITECA, enables a coordinated, organized effort to combat networked fraud.

Identification of abnormal financing requests within the ecosystem

Detection of both forged and genuine supporting documents used in fraudulent schemes

Identification of previously seen or suspicious documents within the network of stakeholders

Real-time alerts for all matches, whether complete or partial

Continuous enrichment of the shared database

Secure sharing in compliance with the GDPR