ANALYSIS FLOW
From Bank Statements to Credit-Ready Insights
From uploaded statements to verified transactions, financial behaviour analysis, configurable risk assessment and credit-ready reporting — in one connected workflow.
01 · Upload
Upload supported bank statements or supply data through an integrated interface.
02 · Extract
Read and structure transaction dates, descriptions, credits, debits and balances.
03 · Verify
Check statement completeness, data quality and potential inconsistencies for review.
04 · Analyse
Categorise transactions and evaluate cash flow, income patterns and obligations.
05 · Assess
Apply configurable indicators, thresholds and analytical scoring where enabled.
06 · Report
Present dashboards, transaction evidence, flags and structured analysis results.
Analytical results support credit review; exceptions and lending decisions remain subject to institutional assessment.
CAPABILITIES
A Complete Bank Statement Intelligence Toolkit
Move beyond manual statement reading with structured analysis, configurable controls and clear supporting evidence.
Statement Ingestion
Upload and consolidate bank statements across accounts and supported formats.
Transaction Extraction
Extract transaction dates, descriptions, amounts and running balances into structured records.
Transaction Categorisation
Classify income, expenses, transfers and recurring financial activities.
Cash-Flow Analysis
Analyse inflows, outflows, net cash movement and monthly cash-flow trends.
Income & Revenue Patterns
Identify recurring income, revenue stability, seasonality and irregular movements.
Balance & Liquidity Trends
Track average balances, low-balance periods and liquidity behaviour.
Debt & Repayment Signals
Identify recurring financial commitments and potential repayment obligations.
Counterparty Intelligence
Analyse transaction counterparties, concentration and related-party patterns.
Risk & Anomaly Indicators
Highlight unusual transactions, inconsistent patterns and findings requiring review.
Multi-Account Consolidation
Combine multiple accounts into a consolidated financial view.
Configurable Scoring & Rules
Apply institution-defined financial indicators, thresholds and scoring parameters.
Reports & API Outputs
Generate structured analysis, credit-ready reports and integration-ready data.
CASH-FLOW INTELLIGENCE
Understand the Behaviour Behind the Numbers
Go beyond balances and transaction totals to understand how money moves, how consistently income is received and where financial pressure may be emerging.
Moneyly
Compare monthly inflows, outflows, net cash movement and balance changes.
Yearly
Identify longer-term income stability, seasonality and changes in financial behaviour.
Risk Profiles
Surface unusual patterns, concentration risks and financial stress indicators for review.
Patterns and flags are review signals, not automatic findings of misconduct or proof of financial health.
CONFIGURABLE RISK INTELLIGENCE
Find What Needs a Closer Look
AI-assisted analysis helps surface unusual transactions, inconsistent financial patterns and potential affordability concerns — with supporting evidence for analyst review.
High-Value Transactions
Flag unusually large inflows or outflows against normal account behaviour.
Overdraft & Low Balances
Identify irregular movement, sudden spikes and unexpected cash-flow changes.
Recurring Obligations
Detect recurring repayments and financial commitments that may affect affordability.
Unusual Transaction Behaviour
Surface patterns that differ from established account activity.
Pattern-Based Intelligence
Identify trends and recurring conditions that warrant closer examination.
Evidence & Review
Link flagged findings to the relevant transactions and analysis periods.
Every Financial Insight.Backed by Evidence.
Move from a flagged financial pattern to the transactions, calculations and supporting records behind it. Bank-I BSA helps credit analysts understand financial findings with greater clarity, consistency and confidence.
Connect financial findings to the relevant transactions and statement records.
Review the figures, assessment periods and calculations behind each insight.
Understand unusual patterns and financial conditions requiring closer attention.
Keep assessment and judgement with authorised credit and risk personnel.
Significant variations in monthly net cash movement have been identified across the assessment period, including months with comparatively low net cash flow.
INSTITUTION-CONTROLLED ANALYSIS
Your Rules. Your Thresholds. Your Review Process.
Align financial analysis with your institution’s credit policies through configurable indicators, review thresholds, controlled access and structured workflows.
Configurable Parameters
Set transaction thresholds, categorisation rules and relevant analysis parameters.
Institution Scoring
Configure score components and weightings where supported; keep scoring distinct from bureau scores.
Review Findings
Investigate flags, review underlying transactions and record credit-team interpretation.
Traceable Results
Retain source references and analysis evidence for review and audit requirements.
Controlled Access
Apply appropriate user access and data handling controls within the deployment configuration.
Governed Workflows
Provide analysis outputs to existing systems, LOS or CDE through supported integrations.
PART OF THE BANK-I PLATFORM
BSA Works Alone. It Works Better Connected.
Use BSA independently for statement intelligence or connect its results to other Bank-I capabilities.
BSA Standalone
Analyse bank statements independently and generate structured financial insights and reports.
BSA + FSA
Compare bank transaction behaviour with reported financial performance to identify discrepancies and consistency indicators.
BSA + CDE
Supply cash-flow indicators, financial metrics and risk findings to institution-defined credit decision policies.
BSA + LOS
Bring statement intelligence into loan application assessment and credit review workflows.
Products may be deployed independently or integrated through supported APIs. Cross-product analysis depends on the modules and interfaces implemented.
SEE BSA IN ACTION
Turn Bank Statements Into Explainable Credit Intelligence.
See how Bank-I BSA transforms transaction data into cash-flow insights, financial risk indicators and credit-ready reports — supported by evidence your analysts can review.