Income Identification
Income shock predicts default—yet identifying it is hard.
Why Income Identification Is Hard
Traditional income verification relies on self-declaration and manual checks — slow, fraud-prone and fragile.
Fragmented Sources
Income is scattered across sources.
Document Fraud
54% of fraud has doctored payslips.
Source: Open Banking
Point-in-Time Snapshots
Single documents miss income shocks.
Three Ways to Verify Income
Different applicants need different methods. Use one or layer all three.
Open Banking Income Trends
Secure income from bank accounts via open banking. Track trends over 12 months for reliable profiles validated with customers.
Payslip & Document Capture
Request payslips where open banking isn't available. Document verification protects against the 54% fraud with doctored payslips.
Source: Open Banking
Bureau Solutions & HMRC Direct
Use credit bureau data and HMRC income verification for highest assurance. Self-assessment data from HMRC is authoritative.
Detect Income Shocks Before They Become Defaults
Income shocks are a key vulnerability indicator. Credit Canary detects drops before missed payments hit.
Trend Analysis
Track income month-over-month with automated alerts for pattern changes and seasonal variations.
Payment Prediction
Predict salary dates and flag at-risk income.
Vulnerability Signals
Identify vulnerability beyond income.
Turning 40% of loan declines into approvals — with better data, not lower standards.
TSB partnered with Credit Canary to challenge rigid decline rules using real-time Open Banking data.
Access Income Data Your Way
White-label console, embeddable module, raw API or reports — income intelligence your way.
White-Label Console
A branded underwriting interface with search, filters and full income views.
Embeddable Module
SSO-enabled widgets you can embed directly into Salesforce, Dynamics or your own platform.
REST API + Webhooks
Full JSON via webhooks with scores.
PDF & Reports
Auto-generated income verification reports as downloadable PDFs for audit and compliance.
Income Verification That Serves the Whole Business
Income identification supports every stakeholder from automated origination to regulatory reporting.
Lending & Origination
Automate income verification at application point with algorithm-driven real-time matching.
Underwriting
Give underwriters a complete, pre-verified income picture before approval.
Compliance & Audit
Full audit trail of income sources and verification methods for FCA Consumer Duty compliance.
Ready to Transform Your Income Verification?
See how multi-source delivers faster verification.