With more details and explanations, Louis helps us understand what split payment is and how it is implemented by Alma. This company with the DNA of a merchant develops its solutions for both physical and online stores, the user experience is described very clearly on the merchant side and on the consumer side. You will discover in what order Alma was able to tackle the problems without spending years on them - from the legal framework to the risk scoring algorithms. In this episode, we come back to the management of customer risk in installments compared to traditional "consumer credit" and to the criticality of the acceptance rate of this credit for merchants and therefore for Alma. We also discuss the evolution of algorithms towards machine learning and Alma's radical franchise corporate culture. A concentrate of ultra pragmatic information to understand how to develop a business in a highly regulated sector! We leave with a legendary book read: Dune by Frank Herbert Good listening to all! To contact Alma: site / LinkedIn. Louis Chatriot's contact, rather via LinkedIn. To support Finscale: Subscribe to the podcast to listen to the next episode Put 5 stars on Apple podcast to help other people discover this podcast Enjoy listening and see you next week!