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Bank Statement Analysis

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cash flow lending analysis
Bank Statement Analysis

5 Reasons Why Cash Flow Lending Analysis is Necessary for Small Business Lending

June 21, 2024 precisateam No comments yet

Micro, small, and medium enterprises (MSMEs) account for around 30% of the economy, making them one of the most important sectors in India. These businesses also play an important role in safeguarding the cultural heritage of different communities, driving innovation, and generating jobs. With more than 600 lakh MSMEs spread across the country, cash flow […]

Bank Statement Analysis API
Bank Statement Analysis

Bank Statement Analysis API Solutions for Tamper-Proof PDF Validation

May 22, 2024 precisateam No comments yet

Loan applicants often submit numerous PDF bank statements. Lenders use web-based financial analysis software to quickly extract and analyse data from these documents, assessing cash flow and creditworthiness. PDFs may include identity documents, statements, invoices, and Goods & Service Tax Returns (GSTR). However, a growing challenge for lenders is verifying whether the PDFs are authentic. […]

Bank Statement Analysis
Bank Statement Analysis

Bank Statement Analysis APIs for a Competitive Edge

May 17, 2024 precisateam No comments yet

Due to several factors, lenders are now more likely than ever to make poor risk assessment decisions. These include the speed at which lenders aim to approve loan applications, the growing potential for loan fraud, and increasing delinquent debt. Also, unexpected market downturns and opportunity costs contribute to the risk factors. Moreover, as lenders scale, […]

Bank Statement Analysis strategies
Bank Statement Analysis

Bank Statement Analysis Strategies for Today’s Challenges

April 20, 2024 precisateam No comments yet

As the lending industry continues to grow, risk assessment and management will emerge as one of the top functions, enabling lenders to build sustainable, profitable businesses. Managing risk effectively can help companies prevent the growth of non-performing assets (NPAs), loan fraud, lending scams, and other negative consequences. Financial technology will play a key role in […]

Automated Bank Statement Extraction
Bank Statement Analysis

How Automated Bank Statement Extraction Accelerates Loan Approvals

April 16, 2024 precisateam No comments yet

Latest reports suggest that around 67% of Indians have applied for a personal loan at some point in their lives. Furthermore, India’s consumer borrowings have surged in recent years as more people fulfil their aspirations, including travel, buying a new car, building a house, and more. As a result, traditional and non-traditional lenders, including banks, […]

Duration gap analysis
Bank Statement Analysis

Leveraging Duration Gap Analysis for Effective Asset-Liability Management

April 4, 2024 precisateam No comments yet

A popular technique financial institutions use in managing interest rate risks is duration gap analysis. This provides them with insights into the optimal management of interest rate risk so that they can economically manage the difference in time between a bank’s assets and liabilities. By analysing the duration gap, it becomes easy to understand the […]

8 Ways Bank Statement Analysis by Precisa Can Accelerate Productivity
Bank Statement Analysis

8 Ways Bank Statement Analysis by Precisa Can Accelerate Productivity

March 25, 2024 precisateam No comments yet

Productivity levels are an important measure of success for ambitious lenders looking to build a long-lasting, profitable business. A recent survey indicated that seven out of every 10 employers prioritise the quality of work, while performance indicators such as targets and project completion on time are considered to be primary indicators of productivity. As more lenders […]

Bank Reconciliation Statement Analysis of Data: Optimise Lending Decisions
Bank Statement Analysis

Bank Reconciliation Statement Analysis of Data: Optimise Lending Decisions

March 16, 2024 precisateam No comments yet

Data is increasingly vital in enabling businesses to streamline their workflows, drive revenues, and become profitable in the Internet economy. According to a McKinsey survey titled ‘The data-driven enterprise of 2025,’ adopting artificial intelligence (AI)- powered data practices is helping businesses grow revenues by at least 20% before interest and taxes.   Access to high-quality data […]

The Role of Automating Bank Statement Analysis with Python and AI
Bank Statement Analysis

Streamline Bank Statement Analysis with Python and AI: Faster, Smarter Decisions

March 8, 2024 precisateam No comments yet

Scaling a lending business presents a significant dilemma: higher loan volume increases potential profits but also the risk of default and fraud. Thorough risk assessment is essential, yet the sheer number of loans can make this process overwhelming. Lenders that embrace the benefits of technologies such as automation, Artificial Intelligence (AI), and Python can strengthen […]

Key Metrics in Different Financial Statement Analysis for Bank Loans
Bank Statement Analysis

Key Metrics in Different Financial Statement Analysis for a Bank Loan

March 4, 2024 precisateam No comments yet

Lenders generally need to cross-examine the applicant’s financial strengths and weaknesses before approving a loan application. Financial statement analysis helps them make these decisions; it involves evaluating an applicant’s financial statements to assess their financial health and determine their creditworthiness. This includes information about the borrower’s assets, liabilities, income, and expenses. Financial statement analysis for a […]

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