Income Verification AI

    
                Financial Services AI             
                            
        Income
Verification AI

    
                AI-powered income assessment for smarter lending decisions — across Open Banking and document-based flows.

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AI-Powered Features
Across all verification routes

Open Banking + Documents

Dual-route coverage
No customer left behind

FCA-Ready

Explainable outputs
Audit-trail on every decision

    
                EXECUTIVE SUMMARY            
                            
        TSG Income Verification AI

TSG’s AI-powered income verification platform helps financial institutions lend smarter — accurately assessing income across every customer type, whether they have Open Banking access or not.

The Problem

Lenders struggle with inaccurate income data, complex self-employed cases, document fraud, and the gap between customers who can and can't share Open Banking.

Our Solution

A unified AI framework covering 16 features — transaction intelligence, OCR document AI, fraud detection, and policy-aware outputs — all in one platform.

Business Impact

More accurate underwriting. Fewer false declines. Lower fraud exposure. FCA-compliant explainability. Scalable across mortgages, loans & credit products.

Who It's For

Retail banks, challenger banks, mortgage lenders, and credit providers looking to modernise affordability checks and reduce manual income review.

    
                KEY FEATURES            
                            
        16 AI-Powered Capabilities Across All Customer Types

WITH Open Banking

Income Stability & Volatility

Time-series analysis of variance, gaps & seasonality. Generates stability scores per income stream.

Manipulation & Synthetic Detection

Flags circular payments, sudden spikes & pre-application anomalies using graph analytics.

Income Event Detection

Identifies genuine recurring credits, filters out transfers & refunds using sender & amount signals.

Income Type Classification

Classifies PAYE, self-employed, gig, benefits & pensions with ML + NLP on transaction data.

Payer & Description Intelligence

NLP resolves messy transaction descriptions and normalises payer identities across banks.

Income Stream Aggregation

Groups transactions by payer & frequency into coherent income streams with tenure & averages.

WITHOUT Open Banking

Payslip & Document Intelligence

OCR extraction from payslips, P60, P45, SA302, DWP letters. Normalises gross, net & YTD.

Document Fraud Detection

Analyses fonts, logos, metadata & layout for alterations. Cross-document consistency checks.

Employer & Source Verification

Validates employer legitimacy, flags shell or dormant companies with sector reasonableness checks.

Self-Employed Income Normalisation

Interprets SA302s, smooths income over years, separates dividends, salary & drawings.

Benefits & State Income Recognition

Identifies UC, PIP, ESA & State Pension docs, tags income as guaranteed or time-limited.

AGNOSTIC — All Customers

Reasonableness Assessment

Benchmarks income against job role, sector & UK norms. Flags unexplained jumps or gaps.

Declaration Validation

Validates customer-declared income against detected evidence. Prompts explanations for mismatches.

Explainable AI Summary

Generates plain-English explanations of sources, stability & risk indicators. FCA-ready.

Policy-Aware Output Engine

Separates AI signals from decision logic. Configurable eligibility rules per product type.

Progressive Verification

Requests minimal evidence first. Escalates documentation only when confidence drops.

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