The intelligence layer for Malaysian banking data
Assess risk with confidence. Stop document fraud. Get ready for open finance.
Finory analyzes bank statements, detects tampered documents and enriches transaction data for Malaysian banks and digital lenders.
Document intelligence
Built on our own OCR and document parsing
Every Finory product runs on document technology we built in-house. It classifies each document and turns it into structured data, ready for your systems through one API.
Bank statement
Chart
Form
Structured data
JSON via APISample data for illustration
Bank statement analyzer
Assess risk with confidence
Turn bank statements, payslips and EPF statements into a clear picture of a borrower’s income, commitments and behaviour, via API or dashboard.
Explore bank statement analyzer →Income verification
Verify salary and income from statements, payslips and EPF.
Affordability assessment
Measure income, expenses and debts for responsible lending.
Personal loan assessment
Income, affordability and credibility in one report.
Business loan assessment
Revenue, cash flow and expenses for faster underwriting.
Statement_March.pdf
TamperedAuthenticity checks
Sample for illustration
Document fraud detection
Stop document fraud
Catch tampered bank statements and EPF statements before they reach underwriting. Our proprietary checks go beyond metadata to find edits a human reviewer would miss.
Documents we check
Bank statements · EPF statements
How document fraud detection works →Transaction enrichment
Get ready for open finance
Raw transaction data isn’t enough to build useful products. Our enrichment model identifies merchants and sorts transactions into 78 categories, so banks can turn shared data into insight.
Explore transaction enrichment →Raw transactions
How it works
1
Submit documents
Upload statements through our dashboard or send them via API.
2
We analyze and verify
Parsing, enrichment and authenticity checks run automatically.
3
Get a clear report
Receive structured results ready for your credit decision.
Built for bank-grade security
Financial data deserves the highest care. Here’s how we protect your customers' information.
Read our security practices →For consumers
Powered by the same engine
Our technology also powers two apps that help Malaysians track their cards and spending every day.
About Finory: frequently asked questions
What does Finory do?
Finory is a Malaysian financial data intelligence company. It helps banks and digital lenders assess borrowers, detect tampered bank statements and EPF statements, and turn raw transactions into categorized data. All of its products run on Finory’s own OCR and document parsing technology and are available through an API.
Which Malaysian banks does Finory support?
Finory supports statements from all Malaysian banks, for both personal and business accounts. It also processes credit card statements, eWallet statements, EPF statements, payslips, vehicle grants and business licences.
How fast is Finory?
A typical personal loan application, with 3 months of bank statements, 2 years of EPF statements and 3 months of payslips, takes 1 to 5 minutes on average. Processing time depends on the number of pages, so larger documents such as business bank statements take longer.
Who uses Finory?
Finory is built for Malaysian banks, digital lenders, BNPL providers and fintech apps that need to assess customers from financial documents, catch document fraud or add personal finance features to their products.
Who owns the data that Finory processes?
Customer data belongs to the customer. Financial institutions that choose a private Finory environment can also set their own data policy to fit their requirements.
See Finory on your own statements
Book a 30-minute demo and we’ll walk your team through analysis, document fraud detection and enrichment.
Book a demo