How an Insurer in Dakar Reduced Claims Fraud by 40% in 6 Months

The Context: Hard-to-Detect Fraud

NADIA Assurance, based in Dakar, faced a growing problem: fraudulent claims. Methods ranged from simple quote inflation to fictitious claim filings and staged accidents.

"Our experts detected maybe 30% of actual fraud. The rest were paid, and we sometimes only discovered it months later." -- Marie Diallo, Claims Director

The YourSmartFlow Approach

By deploying YourSmartFlow with WeProov integration, NADIA Assurance changed the game on 3 fronts:

1. Certified Evidence at the Source

Every vehicle is photographed via the WeProov app at the time of filing. Timestamping, geolocation, and cryptographic signature -- every photo is admissible in court. Fraudsters claiming "old" damage had a hard time explaining why their photos dated from a different vehicle.

2. Automated Risk Scoring

Each filing receives a risk score based on a dozen signals: client history, timing, document consistency, photo consistency. High-scoring files (score > 60) are automatically directed to deep investigation.

3. Shared Fraudster Database

YourSmartFlow maintains a database of shared fraud signals across users. A fraudster who tried the trick with one broker is flagged for the others.

Result After 6 Months

-40% on fraudulent settlements, +60% on fraud detection rate, -25% on average processing time (thanks to automation of legitimate files).