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Microsoft Financial Services France

Welcome Account

Security and Compliance · System Migration

The startup has created a banking application with a conversational agent based on Azure OpenAI Service, in order to help people manage their finances and administrative procedures.

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"Large-scale crises highlight shortcomings in the inclusion of refugees,"explains Rooh Savar, "which is why, four days after the start of the war in Ukraine, we decided to take action by launching Welcome Account." More than just a mobile app, the virtual assistant is tailored to the customer’s needs In concrete terms, Welcome Account is an enhanced banking application that enables newcomers to “better manage their settlement,” combined with a personal assistant based on generative AI.
By the end of 2024, the neobank plans to add eight more languages and hopes to double its user base.
Making inclusive service a reality on a large scale But the startup's ambition doesn't stop there: “We want to move up a gear and provide our services to a million users by 2029,”says Rooh Savar.
Speeding up the integration of refugees "90 million immigrants are living in Europe and three million people from outside Europe are coming here every year to work, study, or for humanitarian reasons.

Reported impact

Business outcome

Making inclusive service a reality on a large scale But the startup's ambition doesn't stop there: “We want to move up a gear and provide our services to a million users by 2029,”says Rooh Savar.

  • Customer Experience
  • Risk Reduction
  • Scalability
  • Speed to Market

Solution

Welcome Account is a startup using technology to facilitate the integration of immigrants arriving in France and Europe. The startup has created a banking application with a conversational agent based on Azure OpenAI Service, in order to help people manage their finances and administrative procedures. They trust us, and we can't afford to make any mistakes," insists Rooh Savar, pointing out that the Microsoft environment, in particular Azure OpenAI Service , meets just this imperative. Making inclusive service a reality on a large scale But the startup's ambition doesn't stop there: “We want to move up a gear and provide our services to a million users by 2029,”says Rooh Savar.

Solution architecture

2 components · 1 layer
  1. Compute
    • Azure OpenAI Service Runs the generative AI experience that answers questions, summarizes content, or drafts outputs for users.
    • Azure Provides the secure, scalable cloud foundation for the solution.

Architecture clues

  • "Large-scale crises highlight shortcomings in the inclusion of refugees,"explains Rooh Savar, "which is why, four days after the start of the war in Ukraine, we decided to take action by launching Welcome Account." More than just a mobile app, the virtual assistant is tailored to the customer’s needs In concrete terms, Welcome Account is an enhanced banking application that enables newcomers to “better manage their settlement,” combined with a personal assistant based on generative AI.
  • Making inclusive service a reality on a large scale But the startup's ambition doesn't stop there: “We want to move up a gear and provide our services to a million users by 2029,”says Rooh Savar.
  • Speeding up the integration of refugees "90 million immigrants are living in Europe and three million people from outside Europe are coming here every year to work, study, or for humanitarian reasons.
  • The startup has created a banking application with a conversational agent based on Azure OpenAI Service, in order to help people manage their finances and administrative procedures.
  • They trust us, and we can't afford to make any mistakes," insists Rooh Savar, pointing out that the Microsoft environment, in particular Azure OpenAI Service , meets just this imperative.
  • To make this "large-scale inclusive service" a reality, the company plans to continue working with Microsoft, and its exploration of generative AI.
  • Welcome Account is a startup using technology to facilitate the integration of immigrants arriving in France and Europe.
  • “The technology Microsoft provides is perfectly suited to our sensitive context; it covers our requirements in terms of security, reliability, and generative AI.” From prototype to production, the benefits of a fruitful partnership As winners of the Microsoft Entrepreneurship for Positive Impact and Microsoft GenAI Studio programs, Caroline Span and Rooh Savar benefited from the publisher's technical know-how.

Evidence from the source

Making inclusive service a reality on a large scale But the startup's ambition doesn't stop there: “We want to move up a gear and provide our services to a million users by 2029,”says Rooh Savar.
The startup has created a banking application with a conversational agent based on Azure OpenAI Service, in order to help people manage their finances and administrative procedures.
They trust us, and we can't afford to make any mistakes," insists Rooh Savar, pointing out that the Microsoft environment, in particular Azure OpenAI Service , meets just this imperative.
Transparency Evidence & methodology 71/100 reference value · 82% confidence · 1 source

Review how this reference was scored and trace each normalized claim back to its documented source.

01

Scoring methodology

How scores are calculated

Customer Reference Value measures usefulness as a customer reference. Evidence Confidence measures the quality and traceability of available evidence, not independent verification.

Customer reference value71/100
  • Problem clarity20/20
    Measures whether the customer's operational problem is specific enough to compare.
  • Implementation depth15/25
    Rewards named components, data flow, integrations, and architecture detail.
  • Outcome specificity16/20
    Measures whether the reported benefit is concrete rather than a generic claim.
  • Quantified impact15/25
    1 metric describe measurable impact.
  • Deployment scale5/10
    Rewards evidence of a live or scaled deployment and meaningful integration scope.
Evidence confidence82%
  • Source authority20/25
    The main evidence is an official vendor-published customer story.
  • Claim traceability21/25
    10 of 12 key fields link to a named source.
  • Direct evidence15/20
    3 direct source quotes retained.
  • Date provenance10/10
    The publication date comes from the source page or publisher.
  • Source transparency8/10
    1 source reference document publisher, URL, authority, retrieval, and supported fields.
  • Implementation specificity8/10
    Rewards source-backed components, data flow, quantified impact, and a specific outcome.
02

Traceability

Sources & provenance

Field coverage shows which facts each source supports. Dates are shown only when documented by the source.

  1. Microsoft

    Welcome Account customer story

    First-party
    https://www.microsoft.com/en/customers/story/21221-welcome-account-azure-open-ai-service
    Source type
    Vendor-published customer story
    Published
    Jan 20, 2025
    Supports
    • Customer
    • Business problem
    • Solution
    • Products
    • Solution components
    • Data flow
    • Integrations
    • technical area
    • use case category
    • Business outcome
    • outcome category
    • Metrics
    • Architecture
    • evidence quotes
    • Publication date

Date evidence

  • Published on source page Jan 20, 2025 · Microsoft · First-party
    Open date source
Not separately sourced Industry, Region, Company size. Treat these normalized attributes as lower-confidence until a dedicated source is added.

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