Maryam Butt

Student or first job · Faisalabad · APP-24119 · received 27 Sept 2026

Requested

PKR 15,000

Term

12 months

Purpose

Phone upgrade

Score trend

6 months

Why this score

Points versus an average applicant (666). Every factor below adds up to 631.

Wallet balance cushion
+27
Average wallet balance of PKR 85,838 against PKR 16,975 monthly wallet spend.
Utility bills paid on time
−26
Paid 5 of 12 utility bills on or before the due date.
Mobile number age
−19
Same mobile number for 4 years 8 months.
Mobile account activity
−13
Mobile account was topped up in 9 of the last 12 months.
Data sources connected
−11
3 of 5 data sources connected.
Utility bills left unpaid
+5
No utility bill was left unpaid past 30 days.
Failed mobile payments
+2
1 of 22 mobile payments failed.

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.

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