Tenant Referencing

Automate and simplify your tenant referencing process

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    Instantly verify income, employment, and affordability

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    Identify potential red flags with instant risk indicators

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    Reduce client touchpoints and friction while remaining compliant

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An end-to-end platform for tenant referencing

Automatically pull proof of income and employment

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.

Instantly flag higher risk applicants

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.

Align with regulatory requirements

Ensure your tenant selection processes demonstrate compliance with customised policy rules, escalation and review workflow support, and auditable applicant reviews.


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


Intelligent tools for efficient, compliant tenant referencing

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

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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 employments

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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

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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.


Unlock quicker and more accurate applicant referencing

Cut document review time by 75%

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.

Reduce application turnaround times

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.

Improve your £ bottom line

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.

Revolutionising tenant selection

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.

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

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