Fatima Iqbal

Ride-hailing & delivery · Karachi · APP-24118 · received 21 Sept 2026

Requested

PKR 75,000

Term

6 months

Purpose

Phone upgrade

Score trend

6 months

Why this score

Points versus an average applicant (666). Every factor below adds up to 617.

Mobile number age
−39
Same mobile number for 2 years 7 months.
Instalments paid on time
−12
Paid 2 of 6 previous loan instalments on time.
Data sources connected
−11
3 of 5 data sources connected.
Wallet balance cushion
+8
Average wallet balance of PKR 42,238 against PKR 26,413 monthly wallet spend.
Mobile account activity
+6
Mobile account was topped up in 11 of the last 12 months.
Failed mobile payments
−4
2 of 18 mobile payments failed.
Days late on instalments
+3
Instalments were paid 7.5 days late on average.

Not connected: Utility bills, Bank account. 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.

Refer

Borderline on one or more checks. Route to an analyst.

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