AS
Anam Sheikh
Student or first job · Islamabad · APP-24114 · received 14 Sept 2026
Requested
PKR 70,000
Term
18 months
Purpose
Laptop
- Repay probability
- 68%
- Confidence
- Low
Score trend
6 months
Why this score
Points versus an average applicant (666). Every factor below adds up to 625.
- Data sources connected−25
2 of 5 data sources connected.
- Mobile number age−15
Same mobile number for 5 years 1 months.
- Wallet balance cushion+11
Average wallet balance of PKR 52,645 against PKR 29,754 monthly wallet spend.
- Failed mobile payments−8
4 of 27 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 score625 vs approve ≥ 660, decline < 560
- Debt-to-income15% 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 4,807
- Verified income
- PKR 31,242
- Existing instalments
- PKR 0
- Max affordable
- PKR 181,000
Income source: wallet activity (estimated)
Decision
Declined
“Affordability does not hold at the requested amount. Declined; customer invited to reapply for a smaller loan.”
Imran Javed · 15 Sept 2026
Data shared
- Utility bills—
- Mobile account
- Mobile wallet
- Bank account—
- Repayment history—