No. FormFree’s analysis sticks close to actual bookkeeping (cash flow and expenditure types) and does not make guesses about a borrower’s life situation, personal habits, education, employment, or ethnicity.
- FAQs
- General FAQs
Does FormFree’s analysis make behavioral or demographic models of borrowers?
Related FAQs
What aspects of RIKI™ will change with further research?
What values does RIKI™ impose on borrowers’ behavior?
Does FormFree’s analysis use machine learning?
Does FormFree’s analysis use artificial intelligence?
Where does FormFree get the data to compute residual income and RIKI™?
Why aren’t residual income and RIKI™ reported for all borrowers?
Is RIKI™ affected by FICO score, location, home ownership, rent history (etc.)?
Why does FormFree’s software classify transactions?
What information goes into residual income and RIKI™ calculation?
What is discretionary spending?
What is adjusted residual income?
What is residual income?
How does FormFree measure ability to pay?
What is ability to pay?
Does RIKI™ replace other measures?
What is RIKI™?