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Enterprise Layer Intelligence
Categories/Digital Identity/Sikoia
Sikoia

Sikoia

Founded 2021

Verify customer income, employment, and affordability using financial documents and open banking data

You can use Sikoia to verify customer income, employment, and affordability across financial applications. The system automates checks on payslips, tax forms, and bank statements while connecting directly to open banking data sources. Financial institutions, mortgage brokers, auto lenders, and tenant referencing agencies use it to review applicant documents, spot fraudulent files, and confirm financial eligibility in seconds. You can manage applicant evaluations through a centralized dashboard or integrate verification checks directly into your onboarding flow with their developer API to eliminate manual review.

What Sikoia does

Verify proof of income from customer bank statementsDetect altered or forged financial documentsCalculate affordability ratios from Open Banking transactionsExtract data from submitted tax documents and payslipsReview customer credit suitability against underwriting checklistsIntegrate verification workflows into existing loan origination softwareAutomated payslip, tax, and bank statement verificationDirect Open Banking connection for real-time affordability analysisDocument integrity checks to catch altered or fraudulent filesConfigurable KYC checklists and compliance rule enginesUnified evaluation dashboard for centralized applicant reviewsDeveloper API for embedding verification into onboarding flowsAggregated access to credit bureau and AML screening data

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Sikoia, income verification, employment verification, affordability checks, open banking, document integrity, mortgage verification, tenant referencing, motor finance onboarding, KYC checklists, credit reference, bank statement analysis, payslip verification, financial data, AML screening