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.
Bank statement analysis built for modern underwriting.
CART turns raw statements into clean, categorized, explainable and policy-ready borrower intelligence.
Bank Statement Analyzer
Parse, classify and analyze bank statements across borrower, account and transaction level.
Cashflow Intelligence
Assess income, expenses, balances, obligations, seasonality, volatility and liquidity strength.
AI Risk Signals
Generate behavioural, semantic, counterparty, fraud and stress indicators for underwriting.
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.
CAM Ready Output
Provide summaries, ratios, red flags and reason codes directly into appraisal memo workflows.
Explainable Reason Codes
Show why a borrower was approved, referred, rejected or flagged for further review.
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.
Ingest Data
Accept bank statements, AA data, transaction files or financial evidence from lending journeys.
Clean & Classify
Normalize transactions, identify categories, counterparties, loans, salary and business flows.
Generate Signals
Create income, obligation, liquidity, volatility, fraud, counterparty and behavioural indicators.
Score & Explain
Run scorecards, risk bands, reason codes, policy checks and appraisal summaries.
Power Decisions
Feed LOS, CAM, decision engine, approval workflows and monitoring dashboards.
Where it helps lenders
What Novel Patterns adds
Convert every transaction into credit intelligence.
Use CART to automate bank statement analysis, sharpen underwriting decisions and power faster, explainable lending journeys.