Behavioural credit signals and affordability from the bank statement.
For South African credit providers
A bureau score tells you what happened on credit. The bank statement tells you what's happening now. AffyScore extracts behavioural credit signals, NCA affordability, and a collection date forecast into one structured decision pack: income stability, spending discipline, and the day a debit order will actually clear.
What you get from every bank statement
The bureau tells you what happened on credit.
The bank statement tells you what's happening now.
Income, spend, discipline
Salary recurrence, spending patterns, debt-service load, gambling exposure, cash withdrawal habits. Real conduct, visible in every statement.
NCA Reg 23A compliant
Statement-derived income and categorised expenses with a full audit trail. Not self-declared; calculated from what the bank account actually shows.
When to collect, not just if
Salary lands, debits pull, balance decays. AffyScore reads that pattern and recommends the day with the highest chance of your debit order clearing.
Your analysts already read the statement. AffyScore does it in minutes.
Every lender collects bank statements. Most still review them by hand: 20 to 45 minutes per file, inconsistent across analysts, no structured output for the audit trail.
Manual statement review
- 20–45 minutes per file of qualified analyst time, reading and categorising by hand
- Inconsistent output: two analysts, same statement, different conclusions
- No structured trail: if the decision is disputed, there's nothing reproducible to point to
With AffyScore
- Behavioural score + affordability in minutes, from the statement they already sent
- Consistent and auditable: every output versioned, reproducible for review and dispute
- Collection date signal included: know when to set the debit order, not just whether they qualify
Bank statements in. Decision pack out.
Three months of statements. Six stages. Behavioural score, affordability, and collection signal in one output.
Intake
Operator upload, customer self-upload via tokenised link, or direct API call. Batch up to 30 statements.
Extract
Six SA banks parsed by fingerprint: FNB, Standard Bank, ABSA, Nedbank, Capitec, Discovery. Regex extraction with AI vision fallback for scanned or image-based documents.
Tamper Check
Document tampering checks across metadata, font/layout, mathematical, and sequence anomalies. Advisory: flags findings for the human, never auto-declines.
Transaction Categorisation
Every transaction sorted into NCR expense categories over a 3-month window. Counterparty identified. Salary detected by recurrence. Discretionary spend flagged. Net available income derived.
Affordability
Reg 23A affordability on statement-derived income. Disposable income, maximum instalment, norm-floored expenses, audit-stamped output.
Score + Recommendation
300–850 behavioural score across four weighted families. Reason codes in plain English. Outcome recommendation to support the lender's decision.
Watch It Work
2-minute demo: statements uploaded, decision pack out. See extraction, scoring, affordability, and collectability screens.
Dive deeper by booking a demo.
Collect on the right day.
For debit-order lenders, the real question isn't just "can they afford it" — it's "will the debit actually fire, and when." Affy answers both.
What this means for a debit-order lender
Affordability says they can pay. The collection forecast says when the money is actually there, and whether your debit order will clear.
A debit order set on the wrong day bounces even for good borrowers. The right day cuts returned debits and the cost that comes with them.
Salary lands, debit orders pull, balance decays. The forecast reads that pattern across 3 months and recommends the day with the highest chance of clearing.
Every bounced debit costs: re-presentation fees, broken arrangements, provisioning. Collecting on the right day reduces all three.
Line-by-line. Every transaction. Fully categorised.
Download sample output from a real extraction. Every transaction is there: date, description, amount, balance, category, confidence score, and counterparty.
Four families. One number. Every factor traceable.
300–850, built from what the statement actually shows. Not a black box; every point traces back to a transaction.
Income
- Salary recurrence
- Salary stability (CoV)
- Irregular-income share
Cash Buffer
- Average daily balance between pay cycles
- Low-balance days
Discipline
- Returned debit orders
- Lender stacking
- Debt-service ratio
Red Flags
- Gambling share-of-wallet
- Cash withdrawal dominance
Less room before a new instalment overcommits the applicant.
REASON 02 Gambling is 5-10% of income.
Material gambling erodes real affordability.
Every score ships with plain-English reason codes. Your underwriter sees why, not just what.
The same data reveals product fit.
Underwriter-facing signals. No automated marketing. The human decides.
Plugs into your workflow. Not the other way around.
⚡ API
- REST API with async webhooks
- Fire-and-forget: POST statements, get job ID, receive result via callback
- Batch processing: overnight cron, morning review queue
- n8n, Zapier, or direct HTTP integration
- JSON response with full decision pack
🖥 Portal
- Web dashboard for manual upload and review
- Operator uploads statements, views pipeline progress
- Score card, reason codes, affordability output, tamper advisory
- Export to JSON, CSV, PDF, or Excel
Built for a regulated lending book.
Transparent, tunable, and yours to integrate.
Transparent pricing. Per extraction.
Prepaid bundles in Rands. No minimum contract. Top up credits as you go.
Book a demo and we'll set you up with free credits for your first proof of concept.
What it costs, in context
Per applicant. Behavioural score, affordability, and collection signal in one call.
Run it on your own statements.
Book a 15-minute demo. Bring 3 months of bank statements. We run them live and walk you through the full decision pack.