Primary engagement
BNPL application file audit
A structured reading of originated buy-now-pay-later files: identity, income, existing commitments, merchant channel, decision, and what the customer was actually shown.
From RM 8,400 per engagement · Usually 3–5 weeks after the sample is available
Most BNPL programmes can produce a decision in seconds. The file that sits behind that decision is slower to assemble, and it is the file — not the score — that we are asked to read.
A typical engagement starts with a sampling conversation: origination channel, product variant, merchant versus direct, approved versus declined, and the period under review. We do not take a convenience sample of ‘clean’ files. If a channel is noisy, that noise belongs in the sample.
Each selected application is read against the policy, scripts, and customer-facing materials that applied on the origination date. We look for missing evidence, evidence that does not support the recorded decision, merchant-assisted gaps, and disclosures that the file claims were given but cannot be shown.
You receive a report that can be walked through with an internal audit committee or a second-line reviewer. We do not sell software, dashboards, or a decision engine. The deliverable is a file-level opinion and a set of practical fixes.