Product · The IYI Profile
The IYI Profile packages verified livelihood evidence into risk, capacity, resilience, confidence and an explainable recommendation that a bank can embed in its own policy.
IYI PROFILE
IYI-KE-04A19Anatomy of an IYI Profile
Every IYI Profile is assembled from traceable components—usable by product, credit, risk, model-governance and audit teams.
Resolve the customer across allowed sources while minimising exposure of direct identifiers.
Keep source, date, verification state, consent purpose and corroboration attached to every event.
Model the real earning rhythm—daily, weekly or seasonal—rather than forcing it into a salary template.
Return capacity, continuity, resilience, integrity and confidence at the depth credit teams require.
Link every output to evidence, model version, policy version, reasons and the customer correction path.
Customer and decision lifecycle
IYI orchestrates the evidence and decision layer while preserving a clear customer experience and the lender’s control at every stage.
A cooperative, lender, merchant or platform invites the person into a defined credit journey.
They see what data is requested, why it is needed, who will use it and for how long.
IYI matches identities across allowed sources and flags uncertainty for assisted review.
Relevant production, payment, purchase, savings or work records enter a visible timeline.
IYI builds livelihood-specific signals and carries evidence confidence into every output.
The lender applies its product rules and decides approve, refer, decline or data needed.
The person sees the outcome in plain language, including what can be corrected or added.
With permission, new activity updates the profile and supports monitoring or future applications.
One decision, the right surface
PROFILE OWNER
CREDIT TEAM
