About KIRA+
SCORING METHODOLOGY
Published in full, because a score you cannot audit is a score you should not trust. Six factors, each scored 0-100 against a fixed anchor, then combined by weight.
| Factor | Feature | Weight | Scores 0 at | Scores 100 at |
|---|---|---|---|---|
| Debt burden | debt service ratio | 25 | 0.45 | 0.05 |
| BNPL exposure | BNPL ÷ income | 20 | 0.20 | 0.02 |
| Disposable income | buffer ÷ income | 20 | 0.00 | 0.30 |
| Emergency buffer | savings ÷ monthly outflow | 15 | 0 months | 6 months |
| Repayment capacity | buffer ÷ debt service | 12 | 0× | 2× |
| Savings resilience | savings ÷ income | 8 | 0 months | 3 months |
sub(x, zero_at, full_at) = clamp(100 x (x - zero_at) / (full_at - zero_at), 0, 100) weighted = sum(weight_i x sub_i) / 100 penalty = min(10, 3 x max(0, n_bnpl - 3)) KIRA Score = round(clamp(weighted - penalty, 0, 100)) band = LOW >= 70 · MODERATE 45-69 · HIGH < 45
Weights and anchor points are the team’s judgement, not a fitted model -- see Limitations below.
SYNTHETIC DATA
Every profile in this demo, including the four named personas, is synthetic. These profiles are constructed to exercise every branch of the scoring engine. They are not real people and not research subjects. No real consumer financial data appears anywhere in this application.
LIMITATIONS
- No real financial data
- Every profile is synthetic. Every model metric is measured against a simulated target. We make no claim about real-world predictive accuracy.
- No user research
- No survey, no interviews, no pilot. All behavioural claims are reasoned.
- Weights and anchors are our judgement
- The six weights and their anchor points are informed by publicly discussed debt-service practice and standard emergency-fund guidance, but they are not empirically fitted. Real outcome data would refit them and the score would move.
- Entirely manual entry
- No BNPL, bank, CTOS, CCRIS or open-banking connectivity. The consolidated view is only as complete and as accurate as what you choose to type.
- No legal determination
- Privacy-by-design principles are implemented; PDPA compliance is not established. Our position relative to the Consumer Credit Commission’s regime requires legal advice we have not obtained.
- BNPL-first, deliberately narrow
- Credit cards, mortgages, hire purchase and business credit are out of scope. A user with a large credit-card balance will find their score incomplete. That is a choice, not an oversight.