Iqra Raza

Small shop owner · Lahore · APP-24126 · received 19 Sept 2026

Requested

PKR 205,000

Term

12 months

Purpose

Shop expansion

Score trend

6 months

Why this score

Points versus an average applicant (666). Every factor below adds up to 553.

Utility bills paid on time
−41
Paid 8 of 24 utility bills on or before the due date.
Mobile number age
−22
Same mobile number for 4 years 4 months.
Failed mobile payments
−14
4 of 18 mobile payments failed.
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.
Wallet balance cushion
−6
Average wallet balance of PKR 41,808 against PKR 85,321 monthly wallet spend.
Utility bills left unpaid
−4
4 utility bills were left unpaid for over 30 days.

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.

Decline

Fails a hard policy check. Recommend decline with reasons.

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