MS
Mahnoor Siddiqui
Student or first job · Rawalpindi · APP-24105 · received 19 Sept 2026
Requested
PKR 25,000
Term
12 months
Purpose
Education fees
- Repay probability
- 63%
- Confidence
- Low
Score trend
6 months
Why this score
Points versus an average applicant (666). Every factor below adds up to 608.
- Mobile number age−30
Same mobile number for 3 years 6 months.
- Data sources connected−25
2 of 5 data sources connected.
- Wallet balance cushion+10
Average wallet balance of PKR 37,271 against PKR 21,304 monthly wallet spend.
- Failed mobile payments−9
4 of 24 mobile payments failed.
- Mobile account activity−4
Mobile account was topped up in 10 of the last 12 months.
Not connected: Utility bills, Bank account, Repayment history. Those factors are scored at the population average and lower confidence.
Cash flow
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.
Recommendation
Refer
Borderline on one or more checks. Route to an analyst.
- Credit score608 vs approve ≥ 660, decline < 560
- Debt-to-income11% of income vs 40% limit
- Data coverage2 of 5 sources connected (minimum 3)
- Loan tierAt or under the PKR 100,000 instant limit
- Monthly instalment
- PKR 2,413
- Verified income
- PKR 22,369
- Existing instalments
- PKR 0
- Max affordable
- PKR 92,000
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
- Utility bills—
- Mobile account
- Mobile wallet
- Bank account—
- Repayment history—