<p>Income verification sits at the heart of fraud prevention—and it’s getting harder. In this episode of <em>Tech Talk with 20for20</em>, Dom Beveridge is joined by <strong>Sarah-Jane Milliren</strong> (<a href="https://aldonishome.com/about-aldon/"><em>Aldon Management</em></a>), <strong>Mark Fiebig</strong> (<a href="https://www.payscore.com/"><em>Payscore</em></a>) and <strong>Tim Ray</strong> (<a href="https://www.verifast.com/"><em>Verifast</em></a>), to unpack what income verification really involves, why it’s so technically complex, and how it’s changing with the rise of gig work, open banking, and automation.</p><p>The panel explores:</p><ul><li><p><strong>The five income types:</strong> Payroll, government benefits, gig work, side-hustle deposits, and assets—all with different levels of reliability and verification methods.</p></li><li><p><strong>Bank linking vs. documents:</strong> Direct bank access provides faster, cleaner data, while documents remain necessary for certain edge cases. The best systems use a waterfall approach that blends both.</p></li><li><p><strong>Fraud prevention through transparency:</strong> Fraudsters often self-select out of processes that require real bank connections—making direct access itself a deterrent.</p></li><li><p><strong>User experience and adoption:</strong> Renters are increasingly comfortable linking bank or payroll accounts, and companies find the process improves speed, accuracy, and trust.</p></li><li><p><strong>Algorithmic judgment:</strong> Modern tools don’t just verify deposits—they interpret patterns, distinguish recurring from one-off income, and adjust for market and property-specific policies.</p></li></ul><p><strong>Sponsors for this episode:</strong></p><p><a href="https://westernreporting.com/"><u>Western Reporting</u></a>, resident screening and income verification by <a href="https://inhabit.com/"><u>Inhabit</u></a></p><p><a href="https://www.eliseai.com/"><u>EliseAI</u></a>, AI-driven automation that helps streamline communications and improve operational efficiency.</p><p>To get access to the latest 20for20 articles, papers and news about forthcoming events, subscribe to our blog at <a href="http://20for20.com"><u>20for20.com</u></a>.</p><p>Connect with Dom Beveridge (Principal, 20for20) via <a href="https://www.linkedin.com/in/dombeveridge/"><u>LinkedIn</u></a>, or email to <a href="mailto:[email protected]"><u>[email protected]</u></a>.</p><p><br></p><p><em>Our theme, “Beautiful Geometry” by </em><a href="https://freemusicarchive.org/music/Phish_Funk/"><em>Phish Funk</em></a><em> is licensed under a </em><a href="https://creativecommons.org/licenses/by-nc/3.0/"><em>Attribution-NonCommercial 3.0 International License</em></a><em>.</em></p>
