Seven stops trace one applicant from a comparison-portal lead to an explainable, audited decision. Follow them in order, or jump straight to whichever stage is most relevant.
The landing page frames the thesis: account access is a commodity, and the categorisation and decisioning layer is the work.
Arrive from a comparison-portal lead, choose an amount and term, and grant time-boxed account-information consent with simulated authentication.
With consent in place, the engine retrieves accounts and several months of transactions over a Berlin Group account-information interface.
Every transaction is labelled into one of sixteen categories with income, recurrence and obligation flags — and a grounded rationale per line.
Follow the affordability budget — income, allowance, rent, obligations, available income — with every figure clickable down to the transactions behind it.
See approve, refer or decline with the exact rule outcomes, then replay the append-only audit log that records every input and threshold.
Run the categoriser over a labelled set: accuracy, per-category precision and recall, a confusion matrix, and the hard cases shown failing honestly.
Run a fresh application end to end, or step into the officer console and work the existing portfolio.