New in Precisa: PPU Flow Enhancements and Advanced Government Benefits Detection

We’re excited to announce the release of the most significant update of Precisa, delivering enhanced Pay-Per-Use capabilities and automatic government benefits detection in transactions. 

This release addresses the top user requests for flexible credit purchasing whilst advancing financial inclusion through intelligent transaction categorisation.

Available now for all Precisa users, this update fundamentally changes how lenders purchase and utilise bank statement analysis capabilities.

What’s New in this Version of Precisa?

1. Enhanced PPU Flow: Granular Credit Purchasing

The biggest enhancement in this release is the completely redesigned Pay-Per-Use system. Lenders can now purchase credits for Bank Statement Analysis, GST analysis, and Credit Bureau (CIC) reports separately.

Key Features:

• Product-specific purchasing: Buy BSA, GST, and CIC credits independently.
• Flexible bundle sizes: 5, 10, 100, 200+ account options with volume discounts.
• Transparent pricing: All costs include GST upfront.
• Improved user interface: Real-time credit usage visibility and streamlined navigation.

This eliminates forced bundling that previously required lenders to purchase comprehensive packages regardless of their actual needs. Personal loan DSAs can now focus entirely on BSA credits, whilst MSME lenders can balance BSA and GST credits based on their application mix.

2. Automatic Government Benefits Detection

This release introduces intelligent categorisation of APBS (Aadhaar Payment Bridge System) transactions as “Government Benefits.” The system automatically identifies credit transactions beginning with “APBS” and categorises them appropriately.

Impact for Financial Inclusion:

• Automatic recognition of subsidies, pensions, and welfare payments.
• Improved income assessment for underbanked borrowers.
• Improved risk evaluation for rural and semi-urban lending.
• Zero configuration required – works immediately across all workflows.

3. Updated Notification System

New automated alerts prevent operational bottlenecks by providing real-time visibility into processing status. 

• Process monitoring: Notifications for files, accounts, and reports stuck in review for 2+ hours.
• CAM report alerts: Specific notifications for Credit Assessment Memorandum cases requiring attention.
• Real-time updates: Immediate operational visibility across all analysis workflows.

4. API and Backend Improvements

Several critical backend enhancements improve system reliability and functionality across the platform. These updates ensure consistent behaviour across different user types and improve integration capabilities.

System Reliability Enhancements:

• GST API integration properly disabled for PPU users across all flows.
• Resolved inactive user login prevention issues.
• Enhanced Signzy integration with improved phone number handling.
• Usage analytics refined from 1-5 minute to 1-3 minute data points for better precision.

5. Advanced Reporting Capabilities

Improved CAM (Credit Assessment Memorandum) reporting provides enterprise clients with more granular transaction analysis. These improvements offer better visibility into credit and debit transaction patterns for comprehensive assessment.

CAM Report Enhancements:

• Separate transaction sheets for credit and debit analysis.
• Configuration-based access for enterprise clients.
• Redesigned transaction categorisation and comprehensive credit assessment tools.

Technical Implementation Details (for the Geek in You)

If you are someone who likes to know finer details of the tech implementations, then here you go. 

This release required comprehensive updates across our entire platform architecture. The implementation spans five core modules to ensure consistent functionality and performance across all system components.

• Precisa service
• Generic Parser
• Precisa Python
• Precisa Nifi
• Precisa Dice

All enhancements integrate seamlessly with existing Precisa API implementations. Current users of AML analysis, forensic investigation features, or account aggregator integration can adopt PPU without operational disruption.

Pricing and Availability

The PPU system is available immediately for all users with transparent, GST-inclusive pricing. This eliminates surprise costs and simplifies budget planning for lenders of all sizes.

Immediately Available:

• BSA Credits: ₹100 per account (including GST).
• Bundle Options: Volume discounts available for larger purchases.
• Migration: No setup fees for existing users.
• Free Trial: 3-credit trial across all analysis types.

View complete pricing details and start using the updated system today.

How Does This Update Help Your Business?

This release delivers specific value across different lending models and business sizes. The new flexibility enables better cost control whilst improving analysis capabilities.

• For Personal Loan DSAs: Focus spending on BSA credits without paying for unused GST analysis capacity.
• For MSME Lenders: Balance BSA and GST credits dynamically based on seasonal campaign requirements.
• For Multi-Product Banks: Allocate credits across divisions based on actual usage rather than estimated needs.
• For Financial Inclusion Initiatives: Automatically recognise government benefit income for better underbanked customer assessment.

Getting Started

Implementation of the new features is designed to be seamless for both new and existing users. The enhanced system maintains backwards compatibility whilst providing immediate access to new capabilities.

• New Users: Access the enhanced PPU system immediately with the improved free trial.
• Existing Users: Seamless transition at next billing cycle with full backwards compatibility.
• Enterprise Clients: Contact support for customised credit allocation based on historical usage patterns.

What’s Next

This release takes forward our continued commitment to make Precisa accessible for all businesses of all sizes, and carries forward our pricing innovation and enhanced analysis capabilities. Future updates will expand our offering and ensure we deliver advanced analytics tools for approval rate optimisation that your business needs, whilst supporting India’s financial inclusion objectives.

Start using Precisa’s enhanced PPU system and government benefits detection → Try Now!