Consumer Lending

Automate income and affordability checks

  • Checkmark symbol representing verification or completion.

    Perform automated affordability checks using open banking or bank statements

  • Checkmark symbol representing verification or completion.

    Streamline your most complex cases by extracting insights directly from application documents

  • Checkmark symbol representing verification or completion.

    Seamlessly navigate consumer duty requirements with auditable suitability decisions

Talk to an expert

Modernise your customer journey and back-end processes

Automate proof of income and employment

Eliminate the time and complexity of manual review. Verify income and employment automatically using payslips and tax returns.

Automate affordability insights

Instantly understand your customers’ financial position. Generate accurate, consistent, and repeatable affordability analyses while reducing manual errors. Compatible with both bank statements and open banking.

Stand out with a better customer experience

Minimise manual customer input and eliminate repetitive back-and-forth by pre-populating your application forms and ensuring accurate data submission on the first attempt.


Powerful capabilities enabling seamless mortgage decisions

“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


Solutions for Consumer Lending providers

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.

Affordability Insights

Downward-facing caret symbol, indicating a dropdown or expandable content.

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.

Income and employment

Downward-facing caret symbol, indicating a dropdown or expandable content.

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.

Unified data marketplace

Downward-facing caret symbol, indicating a dropdown or expandable content.

Enjoy a single access point with our unified dashboard and API integration to support all your customer verification needs. 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.

Results for Consumer Lenders

Unlock success with Sikoia

Cut document review time by 75%

Streamline your operations by automating your document review processes and enable your back office to promptly make accurate decisions with a heightened focus on customer needs.

Reduce open banking drop-offs

Address the typical 20% open banking drop-off rate by offering customers the flexibility to upload either bank statements or opt for open banking. Enjoy a seamlessly automated back-end and process, ensuring data submission without disruptions.

Reduce fraud and regulatory risk

Swiftly cross-validate data to pinpoint, investigate, and rectify any irregularities. Our auditable decisions, incorporating affordability assessments consistently, significantly reduce regulatory risks.

Automate your customer verification processes

Sikoia helps you manage the complexities of consumer lending suitability and affordability checks more efficiently. Turn the challenges of manual assessments and customer data collection into your strengths. Sikoia can helps you avoid unnecessary turnaround time and customer friction, while gaining an edge in precision and quality.

Deep dive with our Product Sheet

Learn on your own time; what and how these checks are conducted as well as what out put insights.

Download our Product Sheet

Chevron-down icon indicating a downward direction or expanded content.

Sikoia may use the information submitted on this page for marketing purposes, including to send you promotional communications regarding Sikoia. By submitting your information above, you hereby consent to Sikoia’s use of your information for these purposes, and you otherwise agree with the use, storage and handling of your data by Sikoia in accordance with Sikoia’s Privacy Policy.

Success message icon indicating a successful action or download.
Thank you for your interest, please download the Product Sheet by clicking below
Download Now
Something went wrong while submitting the form. Please try again.