- General FAQs
What is RIKI™?
Does RIKI™ replace other measures?
What is ability to pay?
How does FormFree measure ability to pay?
What is residual income?
What is adjusted residual income?
What is discretionary spending?
What information goes into residual income and RIKI™ calculation?
Why does FormFree’s software classify transactions?
Is RIKI™ affected by FICO score, location, home ownership, rent history (etc.)?
Why aren’t residual income and RIKI™ reported for all borrowers?
Where does FormFree get the data to compute residual income and RIKI™?
Does FormFree’s analysis use artificial intelligence?
Does FormFree’s analysis use machine learning?
Does FormFree’s analysis make behavioral or demographic models of borrowers?
What values does RIKI™ impose on borrowers’ behavior?
What aspects of RIKI™ will change with further research?