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Overview

Turn borrower documents into up to ten risk scores for your lending workflow.

Kita makes self-reported proof of income, proof of address, and unstructured image or file uploads credit-visible for lenders. It reads borrower documents and turns income, employment, banking, and document-quality signals into risk scores, called Kita Financial Signals (KFS). Use them alongside your existing credit assessment.

You send · any file

PAYSLIP

Gross pay5,200.00
Tax-156.00
Net4,712.00

BANK STATEMENT

Payroll+4,712.00
Loan payment-750.00
Utilities-245.00
Balance6,918.40

PHONE PHOTO

Kita Risk Score

Reads, verifies, and scores each document

You receive · up to 10 scores

{ "scores": {
"formal_employment_index": 0.78,
"bank_cash_flow_stability_index": 0.81,
"capture_fidelity_index": 0.86,
"banking_distress_leakage_index": 0.69,
"socioeconomic_context_index": 0.71,
…
} }
Bank statements unlock cash-flow scores and payslips unlock income scores. Without one, that score is null.

Supported inputs

File formats: .pdf, .jpg, .png, .heic

Customized for each enterprise client

The ten scores show what Kita can provide. Your final score set, calibration, thresholds, and delivery format are agreed during onboarding.

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