Lending assessment
Bank statement analyzer for Malaysian lenders
Scale credit assessment without scaling your team. Finory analyzes bank statements, payslips and EPF statements from all Malaysian banks, turning them into verified income, affordability and cash flow data, with document fraud detection on every bank statement and EPF statement.
Bank statement
3 months
Payslips
3 months
EPF statement
2 years
Assessment report
SamplePersonal loan application
Verified monthly income
RM 6,240
Net cash flow, last 6 months
Document fraud detection
Manual credit assessment doesn’t scale
As application volume grows, lenders run into the same three walls.
Manual review is slow
Officers read every statement line by line, so growth means hiring more people.
Fraud is hard to spot
Edited bank statements look genuine to the human eye.
Not enough data
Credit reports alone don’t give the full financial picture a decision engine needs.
Two assessments, built for Malaysian lending
Each one comes with document fraud detection results.
Use cases
Where lenders use Finory
Automate origination
Instant results at application, and incomplete or suspicious applications filtered out before an officer sees them.
Enhance underwriting
A complete overview of the borrower’s finances, with document fraud detection built in.
Power your credit decision model
Every document digitized into structured data points you can feed into your own scoring model.
Built-in fraud check
Assess only documents you can trust
Before anything is assessed, our File Check screens each document at upload, and our multi-layer document fraud detection checks bank statements and EPF statements for tampering. Every report includes the result.
Integration
Start in the way that suits your team
Begin with the dashboard on day one, then move to a full integration when you’re ready.
No integration
Dashboard
Your team uploads documents and reviews results in our dashboard.
Light integration
Embeddable web component
Send documents via API and show our visual results inside your own system.
Full integration
API
Structured data straight into your loan origination system or credit decision engine.
Bank statement analyzer: frequently asked questions
What is a bank statement analyzer?
A bank statement analyzer, also spelled analyser, reads a borrower’s bank statements and turns every transaction into structured data, such as income, commitments, cash flow and spending patterns. Finory’s bank statement analyzer works with statements from all Malaysian banks and helps lenders assess personal and business loan applications in minutes, with document fraud detection built in.
How can Malaysian lenders automate credit assessment from bank statements?
Finory reads bank statements, payslips and EPF statements from all Malaysian banks and turns them into structured credit data, including verified income, affordability, credibility and cash flow. Lenders receive the results through an API or dashboard instead of reviewing documents by hand.
What is the difference between Finory’s personal and business loan assessment?
Finory’s personal loan assessment focuses on the individual borrower: income verification, affordability, credibility and spending behaviour. Its business loan assessment analyzes business bank statements for revenue sources, repeat customers, expenses, balances and red flags such as window dressing.
How long does Finory’s bank statement analysis take?
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.
Does every Finory assessment include a fraud check?
Yes. Bank statements and EPF statements in every application go through Finory’s multi-layer document fraud detection before they’re assessed, and each report includes the result.
How do lenders integrate Finory?
Every Finory product is available through an API that sends structured results straight into a loan origination system or credit decision engine. Teams can also start with the Finory dashboard, with no integration work, or embed results in their own system with a web component.
See Finory on your own applications
Book a demo and we’ll walk your credit team through a real assessment report.
Book a demo