ViveLaCar GmbH is a mobility fintech startup from Stuttgart without its own vehicle fleet. It uses young used cars and new cars from affiliated brand dealerships, which are offered for subscription via ViveLaCar. The contracting party—and thus the guarantor for digital processing and top customer service—is always ViveLaCar. Just a few clicks on the platform www.ViveLaCar.com give access to a wide range of current vehicles from many brands and models offered via subscription, which can be booked fully digitally. With immediate availability and only a three-month cancellation period, ViveLaCar.com offers customers unique flexibility. ViveLaCar thus bridges the gap between short-term rental, purchase, and leasing, taking care of all necessary operations.
As a rapidly growing startup, ViveLaCar has set high standards for a flexible solution for secure credit checks and fraud prevention. The initial focus is on the German and Austrian markets, with plans to gradually expand into other markets—with minimal IT effort and reliable scalability. CRIF’s Risk & Fraud solution checks private individuals in Germany and companies in Austria fully automatically and in real time via a single interface. This allows ViveLaCar to benefit from the unique data quality of the market leader in the DACH region and to easily and quickly integrate additional countries, data points, and functionalities via the existing interface. Thanks to this modular and flexible structure, the solution can be individually tailored to the business model.
Thanks to CRIF’s solution, ViveLaCar now conducts manual credit checks in Germany and Austria fully automatically and rule-based. With regular exchanges and professional consulting, KPIs regarding approval rate, conversion rate, and collection rate are met and optimized as needed. The introduction of additional fraud-minimizing measures using Identity Fraud Check and Payment Fraud Check is firmly planned. The implementation of dynamic credit limit management has also already been explored.
