Solution · DocuFii + CollectIQ
Deis supports South African credit providers from application to collection: DocuFii verifies the applicant against Home Affairs and reads bank statements and payslips into net income, debt-to-income and tamper checks for the affordability assessment, and CollectIQ then sets up the repayment mandate, including DebiCheck, and collects on the same customer record. It runs in Deis cloud (Azure South Africa North), on Deis infrastructure or in your own environment.
The problem
How Deis solves it
What your underwriters get back
The response drops into your loan system, where your rules or your underwriter take it from there.
Illustrative visual. Figures are not from a real applicant.
Illustrative · sample data
How it works
Home Affairs verification with liveness and face match.
Statements and payslips are read, categorised and checked for tampering.
The structured result goes to your decision rules or underwriter.
CollectIQ captures the mandate with consent evidence, and collections follow on the same record.
Integration and hosting
DocuFii is one REST API behind Azure API Management with a subscription key, or a browser portal with Microsoft sign-in. You get a sandbox key and a Postman collection on day one, and can pilot on your own documents before you integrate.
No data stored by default; retention is your choice. Runs in Deis cloud (Azure South Africa North), on Deis infrastructure, or in your own environment. Live checks still call the official sources.
Pricing
DocuFii is priced to the checks and documents you use and CollectIQ to the size of your book. Send us a sample statement and your volumes, and we will confirm a quote after a short scoping call.
Related
DocuFii
Verify identity against Home Affairs with liveness and face match, and keep a FICA-ready audit trail.
DocuFii
Turn statements and payslips into net income, debt-to-income, categorised transactions and tamper checks.
CollectIQ + OmniLink
Collect on four rails, recover what is unpaid within NCA rules and reconcile what the bank paid.
Document intelligence
Where manual affordability checks slow down, and which steps to automate first without losing the audit trail.
Onboarding & KYC
Practical checks that catch edited statements, forged payslips and borrowed identities.
FAQ
DocuFii returns net income, categorised transactions, existing obligations and debt-to-income from real bank statements and payslips, with every request logged in an audit trail aligned to POPIA, FICA and the NCA. The credit decision stays with your rules or underwriter.
Each statement is read page by page, transactions are categorised, and a payslip can be matched to the statement it is paid into. The result includes net income, disposable income, debt-to-income and a tamper check.
Every statement and payslip goes through tamper and fraud checks, and the payslip is matched to the statement it is paid into.
Yes. CollectIQ supports debit order, DebiCheck and Registered Mandates, each stored with consent evidence captured at the moment of signature. The debtor confirms a DebiCheck mandate once with their own bank.
Yes. OmniLink’s lending workflow runs onboarding, affordability, offer and acceptance and DebiCheck set-up in one WhatsApp thread.
Bring a sample statement and payslip to a demo and see the data your underwriters would get.
