Lending Using Bank Statements
How Pro Analyser Strengthens Loan Risk Analysis for Lenders
Loan risk analysis has always been the foundation of lending. Every approval, rejection, and pricing decision depends on how accurately a lender can assess risk. Yet, the nature of risk itself has changed. Borrowers today are more diverse. MSMEs, self-employed professionals, gig workers, and digital businesses do not always fit into traditional credit models. Balance
Cash Flow Assessment for Lending: Insights from Bank Statement Analysis
In lending, numbers alone do not tell the full story. Balance sheets can be outdated. Financial ratios can be engineered. Collateral values fluctuate. What consistently reflects a borrower’s true repayment ability is cash flow. That is why cash flow assessment has become central to modern credit underwriting. Instead of relying solely on static financials, lenders
How to Automate Credit Risk Analysis Using a Financial Statement Parser
Credit risk analysis sits at the heart of every lending decision. Yet, many finance teams still depend on manual reviews of PDFs and spreadsheets to assess borrower risk. This approach is slow, difficult to scale, and increasingly misaligned with today’s data-driven lending environment. As underwriting volumes rise and decision timelines shrink, automation has become essential.
5 Ways AI Detects Tampered Bank Statements that Manual Review Misses
In the high-stakes world of lending and auditing, a bank statement is more than just a list of transactions, it is the ultimate proof of a borrower’s financial health. However, as digital editing tools become more sophisticated, “doctoring” these documents has become alarmingly easy. For years, credit officers relied on manual “sight checks” to spot
Stop Losing Borrowers: How Automated Credit Appraisal Slashes Loan TAT by 70%
In the competitive world of lending, speed isn’t just an advantage – it’s a survival requirement. Today’s borrowers, from retail individuals to seasoned MSME entrepreneurs, value time as much as interest rates. If your Loan Turnaround Time (TAT) is measured in weeks while your competitor’s is measured in hours, you aren’t just slow; you’re losing
Decoding Modern Bank Statement Terms
Ever stared at your bank statement and felt like it was quietly daring you to decode it? You’re definitely not alone. Most professionals skim through it confidently… until a strange entry like “REV-IMPS-UTR-XXXX” appears and suddenly your pulse jumps just a bit. That’s exactly why this guide steps in – to simplify confusing bank statement
Explainable AI in Lending: The Rise of Integrated Financial Intelligence for Transparent Credit Decisions
Lending is getting a conscience – and it starts with clarity. For decades, credit systems worked like locked vaults. A loan would be approved or rejected, but borrowers rarely knew why. Even relationship managers struggled to explain how the algorithm weighed one factor against another. As digital lending exploded, this lack of visibility became a
Beyond Income: Why Volatility Score Is the Future of Credit Risk Analysis
For years, lenders have relied on income statements to judge repayment capacity. Yet defaults persist—even among borrowers with stable, high salaries. Income shows earning power, not financial discipline. The real indicator of repayment reliability is cash-flow stability, not static income data. This is where the Volatility Score transforms credit assessment. It provides a sharper, data-driven
Buy Now, Pay Later (BNPL) in 2025: The Complete Guide for Smarter, Safer Lending
What Exactly Is BNPL? The term Buy Now, Pay Later (BNPL) has redefined how modern consumers shop and borrow. In simple terms, this pay-later model lets customers purchase what they need instantly and split payments into smaller, manageable parts – often without interest or credit card requirements. Imagine buying a ₹20,000 smartphone, paying only ₹5,000
What Is OCR in Banking? Uses, Benefits, and Real-Life Examples
Introduction: The Technology That Reads Faster Than We Blink When you upload your bank statement, ID proof, or cheque while applying for a loan, a quiet but powerful technology goes to work behind the scenes.It doesn’t sleep, it doesn’t blink, and it reads faster than any human could. That’s OCR – Optical Character Recognition, one