WA
Waqas Aslam
Over-extended household · Peshawar · APP-24110 · received 24 Sept 2026
Requested
PKR 145,000
Term
24 months
Purpose
Debt consolidation
- Repay probability
- 70%
- Confidence
- Medium
Score trend
6 months
Why this score
Points versus an average applicant (666). Every factor below adds up to 631.
- Utility bills paid on time−33
Paid 9 of 24 utility bills on or before the due date.
- Mobile number age+18
Same mobile number for 8 years 6 months.
- Data sources connected−11
3 of 5 data sources connected.
- Wallet balance cushion−11
Average wallet balance of PKR 7,313 against PKR 58,138 monthly wallet spend.
- Mobile account activity+6
Mobile account was topped up in 11 of the last 12 months.
- Failed mobile payments−2
2 of 23 mobile payments failed.
Not connected: 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 score631 vs approve ≥ 660, decline < 560
- Debt-to-income13% of income vs 40% limit
- Data coverage3 of 5 sources connected (minimum 3)
- Loan tierAbove PKR 100,000 — analyst review and documents required
- Utility arrears2 bills unpaid past 30 days
- Monthly instalment
- PKR 7,959
- Verified income
- PKR 61,044
- Existing instalments
- PKR 0
- Max affordable
- PKR 444,000
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—