Getting Started

This guide walks you through creating your first affordability assessment using the oqui dashboard.

Prerequisites

Before you begin, you'll need:

• An oqui account (sign up at oqui.io)
• At least one bank statement in PDF format
• Credits in your account (new accounts receive trial credits)

Step 1: Create an assessment

1. Log in to your oqui dashboard
2. Navigate to Assessments in the sidebar
3. Click New Assessment
4. Enter a reference name for the assessment (e.g., "John Smith - Home Loan")

Step 2: Upload documents

Required: Bank statements

Drag and drop your bank statement PDFs, or click to browse. You can upload multiple statements covering different periods.

Tips for best results:

• Use original PDF statements from your bank (not scans)
• Include at least 3 months of statements for accurate averaging
• Ensure statements are complete and legible

Optional: Supporting documents

For more accurate assessments, upload:

• Payslips - Verify salary and employment details
• Credit report - Include all credit obligations in DTI
• ID document - Enable identity cross-referencing
• Rental agreement - Verify rental income claims

Step 3: Start processing

Click Create Assessment to begin processing. You'll see real-time progress as each document is:

1. Extracted - Text and data pulled from the PDF
2. Classified - Transactions categorized by type
3. Analyzed - Financial metrics calculated
4. Verified - Cross-document checks completed

Processing typically takes 2-5 minutes depending on document complexity.

Step 4: Review results

Once complete, you'll see the assessment dashboard with:

Executive summary

• Average monthly income (gross and recognized)
• Average monthly obligations
• Monthly surplus
• DTI ratio and status (healthy/elevated/critical)

Monthly breakdown

Detailed month-by-month view of income, expenses, and financial position.

Transaction list

Every extracted transaction with its classification. You can:

• Filter by category or type
• Search transactions
• Review classification accuracy

Risk indicators

Behavioral flags like bounced payments, gambling activity, or credit accounts in arrears.

Next steps

• Learn about Transaction Categories to understand classifications
• Understand DTI Calculations and income haircuts
• Set up Affordability Rules for your use case
• Explore the API for programmatic access