Data classification
- Declared
- Extracted
- Validated
- Inferred
- Contradictory
- Not evaluable
Each data point retains its source and level of support throughout the entire record.
Security and governance
Credit intelligence demands trust, traceability, and control.
Evident is designed so that every claim has a verifiable origin and every decision is documented.
VerifiedPartially verifiedInconsistentNot evaluable
Control framework
Six pillars of governance.
Auditability
- Source traceability
- Timestamped records
- Decision history
- Versioning
- Data lineage
Every indicator can be traced back to the response or document that originated it.
Human oversight
- Manual review
- Exception handling
- Rule-based escalation
- Institution-controlled decision
Automation covers collection, validation, and analysis; the credit decision is yours.
Access control
- Role-based access
- Organization separation
- Least privilege
- Administrative controls
Each institution operates in its own logical space.
Data protection
- Encryption in transit
- Encryption at rest
- Data minimization
- Retention policies
- Environment isolation
We only state certifications once they have been formally obtained. Today we do not claim ISO, SOC 2, PCI, or regulatory approval.
Responsible AI
- Explainability
- Human oversight
- No automatic favorable assumptions
- Distinction between declared and validated
- Configurable rules
- Bias monitoring on the product roadmap
The absence of evidence is never interpreted in favor of the applicant.
Legal notice
Evident supports credit origination and analysis processes. It does not replace the institution's credit policy, legal review, or applicable regulatory obligations. The final decision always rests with the financial institution.