Synthetic identity
How lenders detect synthetic identity fraud
Why clean bureau-visible file behavior can still hide fabricated lives, and where a lender can catch the gap.
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Read the longer version.
Short pages should tell you what Kenshiki does. These articles go deeper on the problems, rules, and markets behind the product.
Use-case explainers
Where the product enters the lender workflow.
Thin-file underwriting
How to verify thin-file borrowers
How lenders can evaluate real applicants whose credit history is sparse, quiet, or incomplete.
Read articleBeyond the score
Alternatives to credit scoring
Why the durable alternative is inspectable evidence, not a different opaque number with more data behind it.
Read articleResearch notes
Regulatory, mortgage, and method context.
Model validation
SR 26-2 and model validation
What the 2026 interagency model-risk guidance says about vendor models, and what it leaves out.
Mortgage channel
What the GSEs already know
Why the mortgage decision is a governed system, not a score lookup, and where lender-held evidence fits.
Formal method
How the corroboration verdict is computed
The deterministic chain behind a Kenshiki verdict: gate, axes, contradiction guard, policy, and sealed record.
Compliance taxonomy
Bank, credit-union, and AI compliance obligations
How to read the compliance taxonomy and why applicability, source, timing, and operational duty all matter.
Market thesis
Why the wedge matters, and where it can travel.
Why now
The cost of waiting is rising
The market thesis behind AI-enabled fraud pressure, thin-file gaps, decision consistency, and defensibility.
Read articleBeyond the wedge
Same data, different jobs
The investor and strategy memo on where life-process coherence testing can travel after the credit wedge.
Read articlePress release
Announcements and product notes.
Pulse
Hardware-attested presence proofs against AI voice fraud
Why Kenshiki is moving the trust anchor for high-risk actions away from voice and phone number, and toward a live human on a bound device with a hardware-attested sensor stack.
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