Verification

When multiple document types are provided, oqui performs cross-document verification to increase confidence in the assessment.

Types of verification

Income verification

Compares income from different sources:

Bank + Payslip matching

• Payslip net salary matched to bank deposits
• Employer name cross-referenced
• Payment dates aligned

Verification status:

• Verified - Bank deposit matches payslip within tolerance
• Partial - Some months verified, some unverified
• Unverified - No payslip match found

Verified income provides higher confidence than bank-only income.

Identity verification

Cross-references names across documents:

• Bank account holder name
• Payslip employee name
• ID document name
• Credit report subject name

Identity status:

• Verified - Names match across documents
• Partial match - Minor variations (e.g., middle name differences)
• Discrepancy - Significant name mismatch flagged for review

Debt reconciliation

Matches credit report obligations to bank statement payments:

For each credit account:

1. Look for matching bank payment by creditor name
2. Compare expected vs. actual payment amounts
3. Flag discrepancies (underpayment, overpayment, missed)

Reconciliation status:

• Matched - Credit obligation has corresponding bank payment
• Bank only - Payment found without credit report entry
• Unmatched - Credit obligation with no visible payment

Rental verification

When a rental agreement is provided:

• Landlord/agent name matched to bank payments
• Rental amount verified against lease
• Payment consistency checked

Verification in results

Assessment results show verification summary:

Verification Summary
├── Identity: Verified
├── Income: 3/4 months verified (75%)
├── Debt Reconciliation:
│   ├── Matched: 4
│   ├── Unmatched: 1
│   └── Bank only: 2
└── Documents provided:
    ├── Bank statements: 4
    ├── Payslips: 3
    ├── Credit report: Yes
    └── ID document: Yes

Impact on assessment

Verification affects assessment confidence:

More documents = more verification = higher confidence.

Best practices

For highest accuracy assessments:

1. Provide 3+ months of statements - Enables pattern detection
2. Include matching payslips - Verify income claims
3. Add credit report - Capture all obligations
4. Ensure date alignment - Payslips should cover statement period

Handling discrepancies

When verification flags issues:

• Name mismatches - May indicate data entry errors or fraud
• Income discrepancies - Payslip vs. bank amount mismatch
• Missing debt payments - Credit obligation not being serviced

Review flagged items before making decisions based on the assessment.