Demo · synthetic data · decision-support only

Approve more thin-file borrowers — safely

Cashflow + payment behaviour → one explainable score, in seconds.

For lenders & credit teams assessing people with little or no traditional credit history.

Turn cashflow and payment behaviour into an explainable score — with Article 22 reason codes and a built-in fairness gate that proves protected attributes don't move the number.

See a live score ↓

Applicant (synthetic)

Result — sample output

742
STRONG file

Why — top positives

  • 14 months of consistent income (+38)
  • 95% on-time bill & rent payments (+31)
  • 30 months of banking history (+22)

What's holding it back

  • Savings buffer is short (value 20 days)
✅ Affordability: within proxy limit for £200/month
✅ Fairness gate PASSED — score is identical across 3 protected-attribute variants (base 742). Gender/ethnicity/etc. do not change the score.

↑ Live sample on the pre-filled applicant. Edit the fields and press Score applicant to run your own.

PP
Built by Phil Pereira, founder of Pharoah Technology Ltd
A UK technology company · privacy-first · your data is never resold or used to train third-party models.