Before
Application and bureau view
- Declared monthly income
- SAR 6,355
- Monthly obligations
- SAR 1,394
- Debt-burden ratio
- 21.9%
- Indicative eligibility
- SAR 36,000
Risk viewNo defaults, court orders or 90+ DPD
Open Banking Intelligence
See the income — and the risk — behind the application.
Open Banking provides the transactions. SoyakaAI turns them into verified income, affordability and risk signals your credit team can use alongside the application, bureau file and existing policy.
Working proof
Before / after interpretation
Open Banking assessment
One case. A clearer credit view.
After
Interpreted Open Banking
- Verified monthly income
- SAR 9,003
- Additional verified income
- SAR 2,648
- Revised debt-burden ratio
- 15.5%
- Illustrative eligibility
- SAR 82,000
Newly visible in transaction data
- Thin liquidity
- BNPL stacking
- High transfer activity
Illustrative scenario using synthetic figures. Open Banking can reveal both additional income and new risk. The appropriate outcome may be a different amount, different terms or a better-explained decline.
What the data becomes
Verified income, not only declared income.
Salary is confirmed as regular rather than stated. Additional recurring income is brought into view.
Affordability based on actual cash flow.
Recurring cash outflows and remaining monthly headroom become visible—not only what the bureau file carries.
Risk visible in transaction behaviour.
Short-term credit stacking, transfer churn and thin balances reveal patterns that can sit outside a clean bureau record.
From data to judgement
How it works
Select only the information the credit question needs
Not every available file changes an outcome. Start by identifying the minimum useful set for the decision in front of you.
Convert transactions into usable signals
Raw account activity becomes verified income, obligations, affordability, liquidity and risk indicators a credit team can read.
Apply those signals alongside your policy
The signals sit next to the bureau file and the application, and run against your existing rules and decision process.
How we engage
Start with what you already have
Work can begin as focused consultancy or a batch assessment, and integrate later where that adds value. Your existing Open Banking provider stays in place — this is the intelligence layer above it, not a replacement for it.
FAQ
Questions institutions ask
Do we need to buy or process every Open Banking file?
No. We start with the credit question, identify the information needed to answer it and add further data only when it creates a useful signal.
Does this replace our bureau data or our credit policy?
No. Open Banking signals sit alongside the bureau file and the application, and are applied against your own rules. Pricing, limits, exceptions and final approval stay with the institution.
Do we need to change provider or technology stack?
No. This works with the provider you already use and the systems you already run. It can begin as advisory or batch analysis with no integration at all, and connect to your environment later only if that becomes useful.