HUMAN REVIEW
Ring · 5 distinct applicants · shared device
app A0231
high severity
score 5
Flag Queue
TIGHTEN
Contradiction · income 2.3× inflow
app B0117
elevated
PROCEED
Cascade · M2 over-exposed (8.0×)
SACCO member M2
high
Application B0117
INCOME_GT_INFLOW (elevated)
Stated income KES 180,000/mo is 2.3× observed M-Pesa inflow KES 78,000/mo. (seasonally adjusted for this business's known low season.)
Business context
- Business type: food_vendor
- Location: Kajiado
- Records: notebook records
- Confidence: 0.5 — record-keeping reliability, not a verdict
Details
Stated income (mo)
KES 180,000
Observed M-Pesa inflow (mo)
KES 78,000
Ratio
2.3×
Related evidence
Audit trail n0089
Chat
Underwriter
What does M-Pesa show for application B0117, and does it match what they stated?
10:24 AM
retrieve_mpesa_history(B0117)
proceed
10:24 AM
detect_contradiction(stated, observed)
proceed
10:24 AM
Agent
Stated income is 2.3× observed inflow — flagged "elevated" (INCOME_GT_INFLOW), adjusted for this business's known low season. Payroll reference and counterparty pattern are both consistent with the stated employer. No other contradiction found.
→ full detail in Audit trail n008910:25 AM
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