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Digital origination is a distribution and operating model. Use the relevant consumer or business product cohort for credit outcomes, then evaluate the digital workflow separately.

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Financial-risk and operating measures

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Public benchmark sources

Use the Bank of Canada credit indicators for matching consumer-product context and ISED’s financing survey for Canadian business-financing context. Neither establishes a universal digital-lending approval rate or model-performance target. Application completion and conversion depend on acquisition channel, eligibility rules and workflow design. Report those populations before comparing operational rates.

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AMLOK evaluation

Use a temporal holdout and, where available, a held-out acquisition channel. Evaluate fraud or identity outcomes separately from repayment risk. A rejected application without observed repayment cannot be assigned a favorable or unfavorable repayment label from the decision alone. Compare the same evidence snapshot across systems and include end-to-end review effort. Test duplicated submissions, missing-source histories and delayed provider updates. For Signal, evaluate changed evidence and recurring monitoring quality, not outbound communication or servicing automation. See the document benchmarks, frontier comparison protocol and robustness framework.