Decision-making precision: artificial intelligence at the service of your growth
At BNP Paribas, we convert your activity data — invoicing, payment terms, market signals — into directly actionable predictive recommendations. Designed for freelancers between two missions and private investors, the platform reduces the amount of uncertainty in your daily financial decisions.
Optimize my decisionsThree analytical pillars, a single decision line
Each recommendation produced by BNP Paribas is based on a combination of statistical methods and risk management rules, described here without unnecessary jargon.
Real-time predictive analytics
Our models are based on the stochastic modeling — a method that simulates several future scenarios based on uncertain data, rather than a single projection. Applied to your activity, it identifies the most likely cash flow trajectories over the coming weeks.
Algorithmic Risk Mitigation
Each recommendation is weighted by a risk score calculated from your payment history, the seasonality of your activity and observed market variations. The objective is to make the risk visible and measurable, not to make it disappear artificially.
Scalability of recommendations
Whether you manage a single billing flow or a diversified portfolio, the analytical base adjusts to the volume of data processed. Recommendations become more precise as the history is enriched, without manual reconfiguration.
Daily monitoring, without gray areas
The platform does not just recommend: it reports, every day, on the reliability of its own forecasts.
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Daily data ingestion
Every night, the platform imports your recent flows: invoices issued, receipts, recurring expenses or portfolio movements.
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Modeling and scoring
The model recalculates your cash or exposure position and updates the risk score associated with each maturity or position.
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Daily report
You receive a daily summary: forecast cash flow, alerts on sensitive deadlines, market signals relevant to your situation.
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Continuous adjustment
The following day's recommendations integrate your decisions from the day before, without starting from a blank analysis.
What's in your daily report
A summary page showing the 30-day forecast cash flow, today's priority recommendations and a history of reliability of previous forecasts. You can thus judge for yourself, over time, the relevance of the model rather than relying on an initial promise.
A verifiable methodology rather than testimonials
Rather than illustrating our results with customer cases, we prefer to explain how the system works.
Data ingestion
Data is collected via secure connections to your billing tools, professional accounts or investment platforms, with your explicit authorization for each connected source.
Model architecture
The decision engine combines recurrent neural networks, adapted to the analysis of time series, with more traditional scoring models to preserve the readability of the results. This combination favors the traceability of recommendations rather than just raw performance.
Compliance and security
The processing of your data complies with the General Data Protection Regulation (GDPR). Data is encrypted at rest and in transit.
You retain the possibility at any time to export your data or request its deletion, without justification required.
Two profiles, two distinct uses
The recommendations produced differ depending on the nature of the activity followed, but are based on the same analytical base.
Automate the financial cushion between two missions
An independent consultant carries out missions of varying duration, with customer payment deadlines of 30 to 60 days. The platform identifies upcoming periods of low cash flow and suggests, several weeks in advance, an amount to put aside during months when activity is busier. The recommendation is adjusted every day according to the actual progress of the missions and confirmed collections.
Spotting market signals before they become visible
An investor follows multiple asset classes without having the time to monitor each indicator. The model cross-references trading volumes, recent volatility and public macroeconomic indicators to flag unusual deviations before they are widely commented on. Each signal is accompanied by its confidence level, calculated from the historical reliability of this type of alert.
Get a head start on the market.
The initial setup takes just a few days, using only the data you choose to connect. No complete migration of your tools is necessary to get started.