From bank statements to AI-powered credit intelligence.

CART converts bank statements and financial data into underwriting-ready insights — helping lenders analyze cashflows, detect risk patterns, identify fraud indicators and make faster, explainable credit decisions.

600M+Transactions analysed
900+Financial risk signals
<4 secDecision intelligence
Bank Statement IntelligenceTransactions converted into risk signals
LIVE
Salary / Business InflowStable
EMI & Loan ObligationsDetected
Cashflow VolatilityMedium
Suspicious CircularityCheck
Liquidity RunwayStrong
Risk Score OutputReady
ANALYZECashflow AssessmentIncome depth, average balances, volatility, obligations and repayment capacity.
DETECTRisk & Fraud SignalsIdentify bounced payments, circular transfers, unusual activity and manipulation indicators.
DECIDEUnderwriting OutputScorecards, reason codes, CAM inputs, policy checks and decision-ready summaries.

Bank statement analysis built for modern underwriting.

CART turns raw statements into clean, categorized, explainable and policy-ready borrower intelligence.

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Bank Statement Analyzer

Parse, classify and analyze bank statements across borrower, account and transaction level.

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Cashflow Intelligence

Assess income, expenses, balances, obligations, seasonality, volatility and liquidity strength.

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AI Risk Signals

Generate behavioural, semantic, counterparty, fraud and stress indicators for underwriting.

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Fraud Detection

Detect circularity, suspicious flows, statement anomalies, manipulation and unusual activity patterns.

Eligibility Inputs

Feed verified cashflow and obligation signals into eligibility, affordability and policy rules.

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CAM Ready Output

Provide summaries, ratios, red flags and reason codes directly into appraisal memo workflows.

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Explainable Reason Codes

Show why a borrower was approved, referred, rejected or flagged for further review.

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LOS Integration

Integrate with origination, decision engines, scorecards, policy studio and monitoring systems.

CART underwriting flow.

From raw financial data to explainable credit decision intelligence.

STEP 01

Ingest Data

Accept bank statements, AA data, transaction files or financial evidence from lending journeys.

STEP 02

Clean & Classify

Normalize transactions, identify categories, counterparties, loans, salary and business flows.

STEP 03

Generate Signals

Create income, obligation, liquidity, volatility, fraud, counterparty and behavioural indicators.

STEP 04

Score & Explain

Run scorecards, risk bands, reason codes, policy checks and appraisal summaries.

STEP 05

Power Decisions

Feed LOS, CAM, decision engine, approval workflows and monitoring dashboards.

Where it helps lenders

Reduces manual bank statement review and repetitive underwriting effort.
Improves borrower risk separation using verified cashflow behaviour.
Speeds up CAM preparation, eligibility checks and loan decisioning.
Improves fraud visibility through transaction-level anomaly detection.

What Novel Patterns adds

Bank statement intelligence connected to scorecards, CAM, AA and Decision OS.
Semantic transaction understanding for borrower behaviour and financial intent.
Explainable signals for credit, risk, operations, compliance and audit teams.
Enterprise-ready integration across lending lifecycle from onboarding to monitoring.

Convert every transaction into credit intelligence.

Use CART to automate bank statement analysis, sharpen underwriting decisions and power faster, explainable lending journeys.