Instantly verify income, employment, and affordability
Identify potential red flags with instant risk indicators
Reduce client touchpoints and friction while remaining compliant
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Forget painful manual document reviews. Our solution instantly verifies income, employment, and affordability from documents including bank statements, payslips, tax statements – and digital data too.
Our intelligent risk scoring and configurable flags and indicators quickly identify potential issues like income variability and credit risks for salaried employees, small business owners, and the self-employed.
Ensure your tenant selection processes demonstrate compliance with customised policy rules, escalation and review workflow support, and auditable applicant reviews.
“Sikoia allows us to integrate the identity data and financial insights we need into our consumer journey quickly and simply, helping us make home ownership accessible to more young people than ever before.“
Vincent Huber, CEO
Unlike one-size-fits-all solutions, Sikoia's provider-agnostic platform enables seamless integration of your preferred data sources and partnerships, ensuring a custom solution for optimal business outcomes.
Automatically run affordability calculations from open banking or bank statement data. With granular transaction categorisation and insightful indicators, we reduce the risk of manual error and power the most accurate affordability assessments.
Leverage our automated system for proof of income and employment, verified directly from payslips and tax returns. Streamline the verification process, ensuring accuracy and efficiency.
Benefit from a single access point with our unified dashboard and API integration to support and enhance your existing processes. Centralise and unify applicants’ identity and financial data, including key affordability data points from Credit Bureaus, PEPS/Sanctions, Adverse Media, IDV, Open Banking, or data extracted from financial documents, ensuring a comprehensive overview.
Instantly generate verified proof of affordability, income, employment, address, and risk scores from documents like bank statements and tax returns as well as open banking APIs. Screen applicants in seconds without complex manual review or error-prone data entry.
Save the typical hour spent on verifying application documents and eliminate unnecessary back-and-forth with customers. With Sikoia, you can automatically assess applications in a matter of minutes, allowing your team to concentrate on providing value-added advice.
One leading UK institution saved £2-3 million annually by eliminating 20,000 hours of manual verification with our solution. Reduce costs by cutting the time spent on collecting and validating data. Savings scale with your volume.
Sikoia allows you to focus on building tenant relations, not just screening applicants, and remove a major customer experience bottleneck. Sikoia’s data verification capabilities don’t just unlock measurable efficiency savings, they embed regulatory compliance into the heart of your workflows.
Want to dive deeper into our Solution? Our Product Sheet is your go-to resource for a comprehensive breakdown of what we offer. From the cutting-edge processes to the actionable insights generated.
Sikoia Ltd is authorized and regulated by the Financial Conduct Authority (FCA) as an Account Information Service Provider (AISP) under the Payment Services Regulations 2017 (FRN: 942979) and as a credit reference provider (FRN: 942616). Sikoia Ltd is a credit broker and not a lender. Credit is subject to status.
