PayGate ZW
Civil Journey
AI Loan Passport
Step 2 of 5. Real-time risk and affordability score generated from payroll, deduction and behavior models.
AI Loan Passport
Real-Time AI Assessment
4 AI models in parallel - under 3 seconds
Credit Scoring
XGBoost + Neural Net Ensemble
Fraud Detection
Isolation Forest + LSTM
Affordability Check
Salary − Existing Deductions
Debt Distress Prediction
Prophet Time-Series Forecast