Products
© Fiskil 2026. All rights reserved.
Lending
Income Verification
Manual income verification using payslips and tax returns is slow and prone to fraud. Fiskil enables instant, automated income verification by analyzing real bank transactions, accelerating loan approvals while reducing risk.
Traditional income verification relies on documents that can be forged, are time-consuming to review, and delay loan decisions.
Applicants must provide payslips, tax returns, and bank statements
Manual document review takes days or weeks
Documents can be forged or outdated
Incomplete picture of true income (side hustles, gig work)
High operational cost for manual verification
Fiskil analyzes real bank transactions to automatically identify and verify income sources, providing instant results.
Automatically identify salary deposits, government benefits, rental income, business income, and other income sources from transaction data.
Calculate average monthly income, income stability, and income trends over time.
Verify employer name, payment frequency, and employment duration from transaction patterns.
Detect and aggregate income from multiple sources including full-time work, part-time jobs, and freelance income.
Integrate income verification into your lending application process.
During loan application, prompt the applicant to connect their bank account through Fiskil's consent flow.
Retrieve 3-12 months of transaction history to analyze income patterns.
Use Fiskil's income analysis API to automatically detect income sources, calculate averages, and assess stability.
Use verified income data to instantly approve or decline loans, or adjust loan amounts based on actual income.
Identify salary, wages, government payments, rental income, investment income, and business income.
Assess income consistency, payment frequency, and detect irregular income patterns that may indicate risk.
Automatically extract employer name from transaction descriptions to verify employment.
Recognize income from Uber, DoorDash, Airtasker, and other gig platforms that traditional verification misses.
Detect suspicious patterns like one-time large deposits or manufactured income to prevent fraud.
Generate audit-ready income verification reports for regulatory compliance.
A digital lender uses automated income verification to approve personal loans in minutes instead of days.
Result: Loan approval time reduced from 5 days to 10 minutes, increasing conversion rates by 45%.
A BNPL provider verifies income at checkout to determine spending limits instantly.
Result: Real-time income verification enabled instant credit decisions, improving approval rates by 30%.
A mortgage broker uses income verification to pre-qualify borrowers before submitting applications to banks.
Result: Reduced application rejections by 60% through accurate pre-qualification.
GET /accounts/{accountId}/income-analysisGET /accounts/{accountId}/transactions?category=incomePOST /income-verificationIncome sources
Average monthly income
Income stability score
Employer name
Payment frequency
Income trends
OAuth 2.0 / CDR consent
Yes
We recommend 3-6 months of transaction history for accurate income assessment. Longer periods (up to 12 months) provide better stability analysis.
Yes, the API recognizes deposits from Uber, DoorDash, Airtasker, Freelancer, and other gig platforms automatically.
The API aggregates all income sources and provides a breakdown showing each source separately as well as total income.
Automated income verification is typically more accurate than manual review because it analyzes actual money movement rather than documents that can be forged.
Yes, Fiskil's income verification is CDR-compliant and can be used for responsible lending assessments under NCCP requirements.
All data access requires explicit user consent through CDR consent flow. Data is encrypted and access is audited for compliance.
Yes, the API can analyze business account transactions to verify business income for sole traders and small businesses.
Fintech
Enable users to connect and view all their bank accounts in one place. Fiskil's account aggregation API provides real-time access to accounts, balances, and transactions from 100+ Australian banks.
Lending
Assess creditworthiness using real banking behavior. Make better lending decisions with cash flow analysis, spending patterns, and financial behavior insights.
Lending
Calculate loan affordability using real cash flow data. Ensure responsible lending with automated affordability checks based on income, expenses, and existing commitments.
Join hundreds of companies using Fiskil to power their lending applications. Get started today with our developer-friendly API.
Products
© Fiskil 2026. All rights reserved.