The 10 scores

Each score is 0 to 1. Higher is always more favorable, including for distress and file checks. Five scores run on any document. The others are returned only when the matching document is sent, or when the feature is configured for your market.

Score	Returned when	What it measures
KFS-1Bank cash flow `bank_cash_flow_stability_index`	Bank statement only	Deposits, withdrawals, payroll inflows, and balance stability.
KFS-2Banking distress `banking_distress_leakage_index`	Bank statement only	Overdrafts, returned payments, low balances, and other lender payments.
KFS-3Employment records `formal_employment_index`	Payslip only	Employer details, pay regularity, and formal employment markers.
KFS-4Income & affordability `income_adequacy_affordability_index`	Payslip only	Income, deductions, and take-home pay relative to loan capacity.
KFS-5Capture quality `capture_fidelity_index`	Any document	Image clarity and sharpness: how reliably the document can be read.
KFS-6Overall repayment `universal_repayment_propensity`	Any document	A broad repayment signal combining all available document evidence.
KFS-7Image & file checks `document_authenticity_tamper_index`	Any document	Image and file properties that may indicate editing. A review signal, not proof of fraud.
KFS-8Identity consistency `identity_disclosure_consistency_index`	Any document	Completeness of visible identity details and fit with the requested document type.
KFS-9Submission method `submission_channel_capture_method_index`	Any document	How the document was created: digital PDF, scan, screenshot, or phone photo.
KFS-10Socioeconomic context `socioeconomic_context_index`	When configured	Area-level context from a document address. Describes the area, not the person.