Add an income signal before asking for another document
With consent, Smile Income Estimator turns one email address into a probability-based income signal for Philippine applicants in a synchronous API response.
The Problem
Thin files create a tradeoff between missing context and added friction. When verified income is unavailable at the first step, a lender can request another document, accept less context or route the case to manual review.
Each option adds time, friction or uncertainty. Income Estimator adds a supplemental signal using an email address that many digital journeys already collect.
The Solution
How It Works
Step 1
Obtain Consent
Step 2
Send the applicant's email address and select the correct country
Step 3
Receive probability, tier, reference range, certainty and model version synchronously
Step 4
Use the result as an additional input in your models or decision-making process
Current model evidence
Supplied product material reports AUC ROC 0.709, 64 percent accuracy on a held-out test set and latency under one second
Responsible use
The output is not exact income, income verification or a substitute for documentation. It should not be the sole approval or decline criterion.
Who This Is For
Add context before escalating a thin-file case or requesting more documents.
Test probability as an additional feature and calibrate it against portfolio outcomes.
Segment journeys and decide where further verification is worth the friction.
