RIKI Engine for lenders
RIKI turns permissioned bank data into lender-readable evidence of ability to pay, producing a RIKI Report and Cashflow Report your team can use for underwriting, workflow, and applicant conversations.
RIKI score range in current report output
delinquency observed in the highest historical RIKI band
RIKI Report plus Cashflow Report for lender review
Two ways to deploy
Send profile, permissioned bank data, product intent, and eligibility rules from your existing workflow. RIKI returns score, classifications, report package, coaching insight, and decision support.
Embed a guided account-connection experience when you do not already have verified cash-flow data. RIKI packages the result into the same reports your lending team can inspect.
What the engine returns
Partner data or applicant-connected accounts enter the RIKI workflow.
Rule-based AI classifies cash flow, residual income, obligations, and stability.
RIKI Report and Cashflow Report give lenders readable evidence and exceptions.
Use the output for lending decisions, routing, coaching, or partner workflows.
Why it matters
Credit-invisible, self-employed, gig, first-generation, and thin-file borrowers are often declined because legacy underwriting cannot see their current financial capacity. RIKI evaluates the borrower’s present cash-flow picture so lenders can have a better conversation backed by evidence.
Build with RIKI
Start with the API if you already have bank data, or use the widget to collect it. Either path produces the same lender-readable reports.