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Konfir Blog

Stories, insights, and thought leadership about how we're powering the employment and income verification industry

Why bad references are easier to hide than you think

1 in 3 applicants have an undeclared employment in their history, and reference houses make a bad exit easy to hide. Explore how dismissals, misconduct and job-hopping quietly disappear from standard reference checks.

The rise of moonlighting: why 1 in 5 employees secretly work two jobs

1 in 5 UK professionals admit to secretly working two jobs at once, and a standard reference check has no way of catching it. Explore why moonlighting is rising, what's really driving it, and how Verification of Employment close

Why referencing alone only tells half the story

A standard reference check only confirms so much: one employer, one point of view, and whatever the applicant chooses to declare. Here's exactly what a reference covers, what it misses, and how easily those gaps get exploited in practice to

Automate income validation with Experian Verify

Unsecured lenders need a fast, reliable way to verify an applicant’s income. Experian Verify brings Open Banking, payroll, HMRC data and supporting documents into one seamless applicant journey.

From income verification point solutions to affordability verification

Most affordability programmes are a patchwork of vendors and fallbacks. This piece explains the shift to one affordability verification journey, where sources are sequenced until the threshold is met.

Introducing the Affordability Waterfall

Introducing Konfir’s Affordability Waterfall: a single journey that checks income sources in sequence and stops once affordability is met, reducing fragmented workflows and manual follow-up.

Konfir is becoming a part of Experian’s Verifications business

We are deepening our existing work with Experian to bring more data, more automation and better verification outcomes to our clients.