Bank Statement Analyzer (BSA)

Agentic AI that parses, reasons, and explains cash flow risk from raw statements

Smart OCR & Parsing
Extracts data from any PDF, image, or scanned statement—even with noise, stamps, or missing pages.
Cash Flow Analytics
Identifies inflow/outflow patterns, seasonality, and cash surges for deeper credit insights.
Hidden EMI Detection
Finds undisclosed EMIs, recurring debits, and cross-bank liabilities missed by rule-based tools.
Bounce & Anomaly Alerts
Flags bounce patterns, suspicious transactions, and data gaps with explainable risk signals.
Human-Style Explanations
Narrative summaries, clarifying questions, and actionable recommendations for underwriters.
NTC & MSME Ready
Alternative cash flow intelligence for thin-file, NTC, MSME, and secured/unsecured loans.

Key Benefits

+28% More Approvals

Boost NTC/MSME approval rates with alternative data.

3x Faster Decisions

Accelerate underwriting with instant AI insights.

-41% Undetected Risk

Reduce missed risk events with agentic reasoning.

Automated Compliance

Meet regulatory needs with auditable, explainable AI.

How It Works

1

Upload Statement

Drag & drop any bank statement PDF or image. BSA auto-detects format and language.

2

AI Parsing & Enrichment

Advanced OCR, entity extraction, and enrichment with external data sources.

3

Agentic Reasoning

AI reasons over cash flows, flags hidden EMIs, bounces, and seasonal trends.

4

Narrative & Insights

Get a human-style summary, risk flags, and next-step recommendations.

Agentic AI Narrative Example

"This applicant’s cash flow shows strong seasonality, with a 30% spike in Q4. Detected 2 hidden EMIs not disclosed in the application, and 1 bounce pattern in March. Recommend clarifying EMI sources and monitoring for future bounces. Confidence: 87%. Next step: request updated statement for April."

“Datavave’s BSA is a game-changer for our underwriting team. The AI explanations are clear, actionable, and help us approve more customers with confidence.”

Chief Risk Officer, Leading NBFC