STEP 01
Upload Bank Statements
Upload bank statements for one or more accounts. The system supports major bank formats and handles multi-bank, multi-account scenarios automatically.
Support for major Malaysian and international banks
Password-protected file handling
Multi-account upload in a single session
Minimum 6-month analysis recommended
STEP 01
Upload Bank Statements
Upload bank statements for one or more accounts. The system supports major bank formats and handles multi-bank, multi-account scenarios automatically.
Support for major Malaysian and international banks
Password-protected file handling
Multi-account upload in a single session
Minimum 6-month analysis recommended
STEP 02
Automated Data Extraction
Automatically extracts and structures financial data from uploaded statements. Every transaction is organized, categorized, and prepared for analysis.
Structured data output from raw files
Account information validation
Automatic transaction categorization
Multi-format handling without configuration
STEP 02
Automated Data Extraction
Automatically extracts and structures financial data from uploaded statements. Every transaction is organized, categorized, and prepared for analysis.
Structured data output from raw files
Account information validation
Automatic transaction categorization
Multi-format handling without configuration
STEP 03
Verification & Validation
Validates statement integrity before analysis. Documents are checked for authenticity indicators and assigned a confidence score.
Document integrity assessment
Risk scoring per statement file
Duplicate detection via hash tracking
Suspicious document flagging
STEP 03
Verification & Validation
Validates statement integrity before analysis. Documents are checked for authenticity indicators and assigned a confidence score.
Document integrity assessment
Risk scoring per statement file
Duplicate detection via hash tracking
Suspicious document flagging
STEP 04
Financial Analysis & Scoring
Calculates comprehensive financial metrics including cash flow patterns, balance trends, income consistency, spending behaviour, and overall financial health scoring.
Cash flow trend analysis
Income and expense pattern detection
Financial health scoring
Loan affordability assessment
STEP 04
Financial Analysis & Scoring
Calculates comprehensive financial metrics including cash flow patterns, balance trends, income consistency, spending behaviour, and overall financial health scoring.
Cash flow trend analysis
Income and expense pattern detection
Financial health scoring
Loan affordability assessment
STEP 05
Risk Assessment & Alerts
Configurable rules and AI-driven analysis identify risk indicators, suspicious patterns, and policy violations based on your institution’s thresholds.
Configurable risk thresholds
Policy-based alert generation
Behavioural anomaly detection
Severity classification for prioritization
STEP 05
Risk Assessment & Alerts
Configurable rules and AI-driven analysis identify risk indicators, suspicious patterns, and policy violations based on your institution’s thresholds.
Configurable risk thresholds
Policy-based alert generation
Behavioural anomaly detection
Severity classification for prioritization
STEP 06
Decision-Support Reports
Generates comprehensive reports ready for credit committees, internal review, or client communication with all supporting data and analysis.
Multiple export formats (PDF, Excel, CSV, JSON)
Customizable report templates
Credit-committee-ready reports
Complete analysis with supporting evidence
STEP 06
Decision-Support Reports
Generates comprehensive reports ready for credit committees, internal review, or client communication with all supporting data and analysis.
Multiple export formats (PDF, Excel, CSV, JSON)
Customizable report templates
Credit-committee-ready reports
Complete analysis with supporting evidence
Standalone or Integrated
Bank-I works as a standalone portal for your credit team, or integrates via API into your existing loan origination, core banking, or CRM systems. Flexible deployment ensures it fits your workflow.
Frequently Asked Questions
Bank-I can process and analyze statements within minutes depending on file volume and complexity.
The system extracts transaction data, validates document integrity, performs financial analysis, and generates decision-support reports.
Yes. The platform includes duplicate detection, hash tracking, and suspicious document analysis capabilities.