Founded by Sylvain Lecorné - former Technology Director APAC at Experian and GM Digital Factory at CTOS Digital.
All three sit at the intersection of financial services, data, and operational risk — where the problems are hardest and the stakes are highest.
Credit decisioning engines, scorecard integration, policy management, and rules automation — including bureau data orchestration, alternative data scoring, and API-based score delivery. Decision flows, decision trees, and decision matrices configurable by business users without engineering involvement.
Outcome: Explainable, version-controlled decisions that survive regulatory audit and policy change.
Lenders · fintechs · credit bureaus · digital banks
End-to-end onboarding workflows covering eKYC, identity verification, document collection, fraud screening, and account opening. A single integrated workflow — not a chain of disconnected point solutions that create compliance gaps and drop-off.
Outcome: Higher completion rates, full audit trail, and compliance teams that can actually see what happened.
Banks · fintechs · payment providers
Legacy system migration, microservices architecture, cloud-native data platforms, and observability. Configurable data ingestion with quality checks, trend shift detection, and analytics pipelines for credit, fraud, and regulatory reporting.
Outcome: Systems that move fast without breaking, and data your analysts can actually trust.
Credit bureaus · established lenders · enterprise FSI
InnovéLab was founded in 2025 — after AI-assisted development became a real capability, not a promise. We built our delivery model around it from the start.
That means faster development cycles, documentation that actually gets written, testing that doesn't get skipped under deadline pressure, and a small specialist team that delivers at a pace most larger firms can't match.
In Opadeez, this goes one step further. Our AI builder lets users describe what they want in plain language — a workflow, a data capture form, a decision flow — and the platform helps configure it. It's live, and it meaningfully reduces the time from idea to working application.
This isn't about replacing expertise with automation. It's about removing the friction that slows expert work down.
Most engagements start with a specific problem — a decisioning layer that needs rebuilding, an onboarding flow that's failing compliance, a bureau integration that's become a bottleneck. We come in, understand the system, and deliver.
We work as an embedded specialist — alongside your internal team, your SI partner, or both. We're not here to build a dependency. We're here to solve the problem and leave the system in better shape than we found it.
InnovéLab works directly with your team on a defined scope.
We operate as the specialist layer within a larger SI-led programme (ATS and others).
Architecture review, vendor assessment, or strategy support without full delivery commitment.
Have a specific platform or integration challenge? Tell us what you're dealing with — we'll map the fastest route to production.
Discuss your problemThe engine that became Opadeez ran a live production deployment for a major telco, processing over one million customer decisions a day — managing real-time offer generation, automated SMS campaign dispatch to large customer bases, and dynamic parameter adjustment based on response patterns to minimise commercial risk.
The same codebase has evolved into Opadeez since. That throughput and real-time decisioning logic is the foundation our FSI solutions run on.
We've packaged our most common engagements into modules with clear scope, known timelines, and predictable outcomes. Easier to procure. Faster to start.
Application intake, bureau integration, affordability, automated decisioning, referrals and disbursement — typically live in 6–12 weeks.
Rules, scorecards, decision trees, and policy management — configurable without code changes.
eKYC, identity verification, document collection and periodic KYC review — integrated with leading identity providers.
Transaction monitoring, case management, and operator dashboards for fraud operations teams.
Multi-bureau pull, response caching, normalisation, and API gateway for lenders and bureaus.
Application routing, escalation handling, and SLA tracking for credit and onboarding workflows.
We typically get called when a decisioning system needs rebuilding before a regulatory deadline, when an onboarding flow is losing customers at the identity verification step, or when a bureau integration has become the bottleneck nobody wants to own. If any of that sounds familiar, let's talk.
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