A bank statement analysis API integrates with a loan origination system by sitting inside the origination pipeline as an automated step. When an applicant uploads a statement, the LOS triggers a request to the API, the analysis runs, and structured output returns directly into the credit decision workflow. Precisa’s bank statement analysis API handles this […]
AA Framework Explained • AA vs PDF Statements • Benefits & Limitations • Implementation Steps 💡 Quick Answer: How to Integrate AA Without Losing 62% of Borrowers? Implement hybrid AA + PDF approach with intelligent routing: Check borrower’s bank against FIP list → If AA-enabled, offer instant 2-second fetch → If not AA-enabled OR fetch […]
A Credit Appraisal Memorandum (or CAM report) is the internal document a credit team prepares before recommending or rejecting a loan. Its job is to tell the credit committee, with documented evidence, whether a borrower can repay. Every section in a well-built CAM exists to answer some part of that question, and the sections that […]
Most credit teams have a recognisable workflow when reviewing bureau reports: score first, NPA status second. The inquiry count gets a glance at most. The DPD section gets a cursory look at most, sometimes none at all if the score is above the internal threshold. That’s where risk slips through. Days Past Due (DPD) is […]
India’s NBFC sector occupies a particular position in the financial system. It serves borrowers that banks typically won’t, including MSMEs, self-employed professionals, informal traders who operate largely in cash, and small manufacturers with limited credit histories. That accessibility makes NBFCs essential to financial inclusion. It also makes them attractive channels for money laundering. The Prevention […]
Bank statement fraud isn’t new. Borrowers have been altering statements for years, using basic editing tools to change balances, erase bounced cheques, or inflate salary figures. What’s changed is the sophistication of those tools and the effort required to produce something convincing. AI can now generate bank statements that pass a visual inspection without raising […]
India processed over 228 billion UPI transactions in 2025. That scale has also created cover. Fraudsters use mule accounts, bank accounts opened or hijacked specifically to route stolen funds, to move money through the UPI network faster than most institutions can trace manually. According to the Finance Ministry’s data tabled in Parliament in November 2024, […]
Year-end reviews land at the worst possible time. Documents pile up, clients call with last-minute queries, and the window to make any meaningful changes is closing fast. For CAs managing a full roster, the real challenge isn’t knowing what to look for; it’s getting through the analysis quickly enough to act on it. ITR analysis […]
Tax season is when most CAs get their clearest look at an SME client’s finances. But by then, the gaps have already compounded. The mismatched GST filings, the months where outflows quietly exceeded inflows, the informal loans disguised as irregular credits, the salary that shows up three days before a suspiciously large withdrawal. None of […]
The Account Aggregator (AA) framework was built to solve a real problem. Borrowers no longer need to collect physical bank statements, lenders get verified, tamper-proof financial data, and the entire consent-based flow happens in minutes rather than days. In theory, it’s a clean system. In practice, it breaks down more often than lenders publicly acknowledge. […]
