Summary
Konfir uses three independent and complementary data sources to verify employment and income: HMRC, Payroll, and Open Banking.
Each source has unique strengths, and together they provide broad coverage, high accuracy, and built-in redundancy
Konfir’s Verification Decision Engine uses whichever sources are available, individually or together, to produce the most complete, reliable result.
Data Provided
Feature | HMRC | Payroll | Open Banking |
Employer name | ✅ | ✅ | ✅ |
Job title | ❌ | ✅ | ❌ |
Income amount | ✅ | ✅ | ✅ |
Data Features
Feature | HMRC | Payroll | Open Banking |
Data currency | ⏳ | ⚡ | ⚡ |
Consent needed? | ✅ | ✅ | ✅ |
Applicant login needed? | ✅ | ❌ | ✅ |
*Depends on the employers’ HMRC reporting currency