Verify income with clarity

The Income Verification Report provides a clear view of a customer’s earnings and income stability using observed bank transaction data. It replaces payslips, PDFs and manual review with structured, behaviour-led evidence.

Whether you are approving credit, validating a claim or assessing suitability, the report shows what a customer actually earns, based on real financial behaviour rather than declarations or estimates.

How it works

When a customer connects their account, we identify income sources, assess regularity over time and distinguish primary earnings from irregular or secondary income.

Transfers, refunds and non-income activity are excluded to produce a clear, defensible income profile grounded in observed behaviour.

Here is an example of the structured output:

{
  "income": {
    "monthly_verified_income": 2680.00,
    "income_sources": [
      {
        "name": "Employer Ltd",
        "type": "salary",
        "average_monthly_amount": 2250.00,
        "stability_score": 0.92
      },
      {
        "name": "Deliveroo",
        "type": "gig",
        "average_monthly_amount": 430.00,
        "stability_score": 0.64
      }
    ],
    "volatility": "medium",
    "last_payment_date": "2025-02-26"

This provides a consistent summary that reduces uncertainty and supports faster, more reliable decisions.

Trust, speed, and accuracy

The Income Verification Report is designed for regulated teams that rely on accurate income assessment. It highlights income volatility, gaps and undeclared sources that traditional documents often fail to capture.

Outputs are structured for review, audit and regulatory scrutiny, supporting fair and defensible decisions across onboarding, lending and claims.

Income verification matters

Income is one of the most frequently misrepresented financial inputs. Decisions based on documents alone can rely on incomplete, outdated or misleading information.

Behaviour-led income verification confirms what a customer actually receives, across salary, benefits, gig work or mixed income, ensuring assessments are accurate and consistent.

Get started

Bring verified income into your decision-making. The Income Verification Report delivers clear, compliant evidence from real transaction data. Compare packages or request a demo to see it in action.