Real income, verified.
Decisions, automated.
Verify income from the applicant’s own bank data. Get a credit decision back in one call, with the reason on file.
Application APP-4102
Bank account connected
Shared by the applicant · 12-month look-back
Average monthly income
SAR 0.00
12 months
Income is still a paperwork problem.
Verification waits on documents, and the decision waits on verification.
Three things break as a result
Uploaded proof is editable and out of date on arrival.
Bureau checks alone cannot place someone new to a job or the country, so good business gets declined.
Rule changes wait to be built and scheduled, so the criteria in use lag behind the risk team.
Request the documents. The applicant goes hunting for files.
Chase the re-uploads. Wrong month, missing page, unreadable scan.
Check the figures. Read and re-keyed by a person.
Queue for review. The file waits for a free reviewer.
Decide. The reasoning stays in one reviewer’s notes.
Fewer steps between an application and an answer.
Today that means documents to collect, manual review, and a policy change that waits on a release.
Say yes to more applicants
Base affordability on income that actually arrived, whether the applicant has years of credit history or none.
Clear the easy calls fast
Resolve straightforward applications on submission and reserve your team for genuine judgement calls.
Move your policy same day
Adjust your own rules and see the effect before they go live, without waiting on a release.
Four steps, from connection to final call.
Connect the bank account
- Keep applicants in your own journey, with no redirect to a brand they don’t recognise.
- Show applicants exactly what is being requested before anything is shared.
- Stay clear of credentials entirely. Applicants sign in with their own bank and can withdraw access later.
Sharing request
Share your account information
You can withdraw access at any time.
Products that power this
Four products, one journey.
Put a decision where the paperwork used to be.
We will walk through your journey, your policy, and what changes when you go live.
Questions, answered.
Reach out if we missed yours.
Tarabut is licensed for open banking in Saudi Arabia. Open banking licensing is not a lending authorisation, and nothing on this page implies SAMA endorsement, approval or certification of any lender or product.