Income verification
Income verification API for Malaysian lenders
Verify how much an applicant earns, and how reliably, from bank statements, payslips and EPF statements. Results in minutes, through one API.
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Income detected from statements, payslips and EPF
ABC Tech Sdn Bhd
Salary · 6 transactions
RM 6,420.00
100.0
Frequency · Strong
100.0
Consistency · Strong
100.0
Stability · Strong
ABC Tech Sdn Bhd
Commission · 4 transactions
RM 1,250.00
66.7
Frequency · Standard
40.0
Consistency · Poor
60.0
Stability · Standard
Unit trust fund
Investment · 1 transaction
RM 2,800.00
16.7
Frequency · Poor
100.0
Consistency · Strong
55.0
Stability · Standard
Sample data for illustration
What you get
Every income source, scored
Finory finds each source of income and tells you how much you can rely on it.
Income frequency
How regularly money arrives from each source.
Amount consistency
Whether the amount stays steady from month to month.
Income stability
An overall score for how dependable each source is.
Employer name
Extracted automatically from statements and payslips.
Cross-checked
One salary, three documents, one answer
Finory compares income across every document in an application, so inflated or inconsistent figures stand out.
Fixed-income applicants
3 months of bank statements and payslips, plus the latest EPF statement.
Commission and variable earners
Salary and commission scored separately, over a longer history.
Built-in fraud check
Verify income from documents you can trust
Bank statements and EPF statements are checked for tampering before income is assessed, so edited salary credits never reach your credit decision.
Use cases
Where lenders use income verification
Personal loans
Confirm income and repayment capacity before approval.
Credit cards and BNPL
Set limits based on verified income, not stated income.
Business owners
Separate personal income from business inflows.
Credit decision engines
Feed verified income straight into your scoring model.
Income verification: frequently asked questions
What is an income verification API?
An income verification API lets a lender confirm how much an applicant earns, and how reliably, by sending financial documents to a service and receiving structured results. Finory’s income verification API reads Malaysian bank statements, payslips and EPF statements and returns each income source with a score for frequency, consistency and stability.
How does Finory verify income in Malaysia?
Finory detects every income source in a borrower’s bank statements from all Malaysian banks, then compares salary credits against payslips and EPF contributions. Each source is scored for how regularly money arrives, whether the amount stays consistent and how stable it is overall, and the employer’s name is extracted automatically.
Can Finory verify commission or irregular income?
Yes. Finory separates salary from other income such as commission, allowances and investment returns, and scores each source on its own, so lenders can assess commission-based and variable earners as well as fixed-salary applicants.
Which documents does Finory use to verify income?
Finory uses bank statements from all Malaysian banks, payslips and EPF statements. Bank statements and EPF statements are also checked for tampering with Finory’s document fraud detection before income is assessed.
How long does income verification take?
A typical application with 3 months of bank statements, 2 years of EPF statements and 3 months of payslips is processed in 1 to 5 minutes on average.
How do lenders integrate Finory’s income verification?
Through Finory’s API, which sends structured income data into a loan origination system or credit decision engine. Teams can also start with the Finory dashboard with no integration work.
Verify income on your own applications
Share a few sample applications, and we’ll show you what Finory finds.
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