Borrower Intelligence
Analyze income, cash flow, affordability, and financial behavior.
Borrower Intelligence turns consented bank, wallet, payroll, merchant, or statement data into cashflow stability, income confidence, affordability status, and financial behavior signals.
What Borrower Intelligence does
Summarizes inflows, outflows, seasonality, volatility, and transaction consistency.
Estimates income confidence using verified salary, wallet, bank, merchant, or uploaded statement data.
Connects loan amount and tenor to observed repayment capacity instead of score-only limits.
Highlights expense patterns, stability, and warning signs that support human review.
From signal to governed decision
- 1The institution requests income analysis for a permitted lending or account-management purpose.
- 2Duruj normalizes transactions and computes income, cashflow, and affordability signals.
- 3Borrower intelligence findings feed Credit Assessment, policy rules, and the institution review workflow.
DurujScore is decision support, not a lender or bureau replacement — every output ships with reason codes, a confidence score and an audit row, and your credit committee remains the decider.
Related modules
Understand borrower credit profile, repayment history, risk bands, and readiness.
Learn more →IDFraud & Identity RiskFraud & Identity Risk moduleVerify borrower identity and detect fraud risk using trusted verification services.
Learn more →FMFraud MonitoringFraud Monitoring moduleDetect suspicious activity, duplicate records, and identity anomalies.
Learn more →See Borrower Intelligence on your own data.
Book a walkthrough and we’ll show how it fits your policy, consent and audit workflow.