Bilal Ahmed

Ride-hailing & delivery · Karachi · APP-24102 · received 27 Sept 2026

Requested

PKR 80,000

Term

9 months

Purpose

Motorbike

Score trend

6 months

Why this score

Points versus an average applicant (666). Every factor below adds up to 742.

Utility bills paid on time
+50
Paid 10 of 12 utility bills on or before the due date.
Mobile number age
+18
Same mobile number for 8 years 7 months.
Wallet balance cushion
+17
Average wallet balance of PKR 98,163 against PKR 44,258 monthly wallet spend.
Data sources connected
−11
3 of 5 data sources connected.
Failed mobile payments
+6
No failed mobile payments.
Mobile account activity
−4
Mobile account was topped up in 10 of the last 12 months.

Not connected: Bank account, Repayment history. Those factors are scored at the population average and lower confidence.

No bank account connected

Bank data not shared

Income was estimated from wallet activity instead. Ask the customer to connect a bank account for larger amounts.

Approve

Meets every policy check. Eligible for instant approval.

Income source: wallet activity (estimated)

Decision

The model recommends; you decide. A reason is required and goes to the audit log.

Add a short reason to enable the buttons.

Data shared