Make informed and precise decisions with configurable unique affordability and budget planner insights
Accelerate loan approvals while minimising errors and susceptibility to fraudulent applications
Boost operational efficiency through automation, including affordability analysis, compliance checks, and bank statement tampering detection
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Upgrade from manual and time-consuming bank transaction analyses to automated processes, leading to fewer manual errors and the ability to make more accurate and consistent decisions.
Support more ways for customers to provide you data through innovative solutions such as Open Banking and Bank Statement ingestion and categorisation, or IDV checks and automated AML screening, reducing unnecessary back and forth with the customer.
Automate the labour-intensive, manual processes involved in mortgage underwriting and compliance, reducing application turnaround time and leading to a significant reduction in operational costs without sacrificing quality or adherence to regulations.
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.
Gain immediate insights from bank data, standardised across Open Banking and PDF Bank Statements. With customisable transaction categorisation and configurable flags and risk indicators, we reduce errors and power the most accurate affordability assessments.
Effortlessly review, investigate, and resolve cases. Our unified client data dashboard prioritises each case, enabling clients to amalgamate all pertinent information, from IDV requests to status updates. Collaborate effectively, manage access, and ensure informed decision-making every step of the way.
Enjoy a single access point with our unified dashboard and API integration to support and elevate 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.
Reduce manual reviews for brokers and underwriters, significantly boosting efficiency and customer focus. Our innovative tools support a remarkable 75% workflow boost, letting you make more appropriate decisions more quickly.
Streamline your verification process by accepting applications without any Open Banking dependencies, improving customer inclusivity and accessibility.
Combat fraud by quickly cross-validating data to identify, investigate, and address any inconsistencies.
Boost your bottom line with efficient automation of customer bank data categorisation to automatically run affordability insights and flag common risk factors, uncover cross-selling chances, and supercharge efficiency.
Extraction success rate of 98%
75% estimated efficiency gains
£ savings depending on your current processes
See the benefits for your own business – simply enter your estimates into the calculator to see the impact Sikoia can have.
Sikoia helps you manage the complexities of the mortgage assessment process, more efficiently. Turn the challenges of manual assessments and customer data collection into your strengths. Sikoia can help you gain an edge in precision, quality, and agility, all tailored to your unique operational needs. But we don't stop at efficiency: our system ensures that compliance never becomes a barrier to genuine customer engagement.
Learn on your own time; what and how these checks are conducted as well as what out put insights.
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.
