MO Override

Overdraft protection, but for Debit and Prepaid Cards. Reduce low-risk declined transactions due to non-sufficient funds.

MO Override is part of our Alternative Scoring and Analysis solution. See all >

MO Override —

What does it do?

Our solution targets declined low-risk debit and prepaid transactions resulting from insufficient funds. Our solution gives a second automated opinion about declined low-risk debit and prepaid transactions resulting from insufficient funds.

Better customer experience.

Allow responsible consumers to conduct a transaction without interrupting their life due to oversight.

Solution for the 21st Century.

Overdraft fees of any kind are so last century. Offer consumers up to date products that mirror their financial responsibility.

Proactive and reactive options.

Put an end to excessive fees resulting in missed due dates and from the occasional bill oversight. Offer flexible products to your customers when and where they need them the most.

Plentiful use cases.

The predictive and analytical power of our solution helps consumers avoid getting hit with unnecessary fees when bills come due, and payday is hours or a few days away.

The problems we solve —

Narrow the financial inclusion gap.

Unnecessary costs incurred by the end-user and the financial institution triggered by temporary insufficient funds.

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Millions of declined transactions and millions in yearly fees are paid to payment processors for declines.

B.

Missed sales on behalf of merchants in the ecosystem.

C.

Negative experiences impact customer loyalty with their bank and the merchant. Not all transactions are created equal, nor should they be declined using conventional methods.

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E.

MO Override —

How does it work?

Real-time approval: Lighting fast due to our cloud-based solution for analyzing online and offline key performance indicators.

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Key features
MOOverride-features-binarydecisions
MOOverride-features-AIdecisions
MOOverride-features-recurrenttransactionforecast

Binary automated decisions

Decisions based on AI

Recurrent transaction forecast

No manual decisions need to be made. Our approval process is not open to interpretation. Our approval process is not ambiguous or vague. It approves or declines by using the output from our ML models based on transactional data and all real-time indicators.

Leverages AI and Machine Learning for fast decision-making.

Detect recurrent transaction to improve our decision-making process.

  • Binary automated decisions
  • Decisions based on AI
  • Recurrent transaction forecast
Available in:
  • Customer engagement.

    Create brand loyalty by offering meaningful financial products.

  • Offer new products.

    Create a new product by offering it to financially responsible customers.

  • Pay per performance model.

    Only declined transactions are analyzed so no impact to day-to-day transaction processing.

Who is this solution for —

How does MO Override serve our clients?

Financial world

  • Subscription service providers can make use of MO Override to be proactive and allow its user-base the flexibility to move a due date and thus prevent unnecessary costs and service interruptions.

Who is this solution for —
Who is this solution for —

How does MO Override serve our clients?

How does MO Override serve our clients?

Non-financial world

  • Subscription service providers can make use of MO Override to be proactive and allow its user-base the flexibility to move a due date and thus prevent unnecessary costs and service interruptions.

Did we catch your attention?

To learn more about our solutions contact us to speak to a representative or request a demo.