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Define the borrower, financing product and platform context separately. A platform’s sales signal may support assessment, but a payment event is not itself a lending outcome.

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Financial-risk measures

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Public benchmark sources

Payments Canada’s research reports provide Canadian payment-market context. Payment-method adoption and transaction totals do not establish embedded-loan loss rates. Use product-specific lending sources alongside the MCA and working capital definitions where relevant. An embedded-finance benchmark needs authorized platform evidence linked to a contractual credit outcome. Retain provider coverage, settlement delay and disputed or reversed transactions.

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AMLOK evaluation

Measure economic-event matching precision and recall across commerce, accounting, processors and banking. Evaluate whether refunds, fees and reserve movements explain settlement differences before classifying unexplained activity. Hold out merchants and later periods; include a held-out platform where feasible. Report performance conditional on each source combination so improved coverage is not mistaken for a better model on identical evidence. For Signal, score persistent activity changes and distinguish an integration outage from lost sales. Use the record model, entity graph and evaluation design.