Document fraud detection
Catch tampered documents before they get approved
Automated fraud checks on bank statements and EPF statements, built for Malaysian documents. Clear results in minutes, via API or dashboard.
Bank statement
statement_sep.pdf · Sep 2026
Document fraud detection
Not genuine. Re-request documents before assessment.
Sample result for illustration
500K+
Malaysian statements checked
Multi-layer
Detection, so no single trick gets through
Minutes
From upload to a clear pass or fail
3 years
Live in production with Malaysian lenders
Tampering is easy to do and hard to catch by hand
PDF editing software lets anyone change a statement in minutes, and the result looks genuine to the human eye.
Easy to make
PDF editing software can change any statement field in minutes.
Hard to see
Edits keep the bank’s own fonts and layout, so the page still looks genuine.
Too slow to check
Checking every document by hand takes officer time, and careful edits still slip through.
What about AI-generated statements?
AI can create a convincing picture of a statement, but not one the bank actually issued. Finory verifies original e-statements, so AI-generated images and documents don’t pass.
Our solution
Finory Document Authenticity Check
Two capabilities work together on every application: File Check makes sure the right documents are uploaded, and Document Fraud Detection checks them for tampering.
1
Upload documents
Send bank statements, payslips and EPF statements in one upload.
Via API or dashboard2
Finory checks every file
File Check rejects scans and screenshots and checks your rules, such as recent months and name match. Document Fraud Detection then checks bank statements and EPF statements.
No manual review needed3
Results in minutes
A pass or fail on each check, with the reason for any flag.
Ready in minutesIf it passes
The application continues as today, with the report attached for credit assessment.
If it fails
The officer sees the exact field and reason, then re-requests documents or closes the case, before spending time on it.
How it works
Multiple layers, so no single trick gets through
Each layer catches a different kind of tampering, and every result shows which field was flagged and why.
File-level
File analysis
Checks how and when each document was created and changed.
Proprietary
DNA-level integrity
Detects edits made after the bank issued the document, even when it looks genuine.
Content
Content integrity
Confirms the figures in each statement are consistent and add up.
Application
Cross-document matching
Confirms the applicant’s details match across every document.
Optional
Financial behaviour
Patterns such as window dressing, set to your requirements.
Proof point
DNA catches what metadata misses
Our proprietary DNA-level check detects whether a document was changed after the bank issued it, even when it looks genuine and passes surface checks.
Edited with PDF editing software
What Finory found
Why Finory
How Finory compares
Manual checks and metadata-only tools catch obvious edits. Careful tampering needs checks that go deeper into the file.
Real cases
Real tampering our engine has caught
Edited amounts, broken balances and suspicious creator tools, from real applications with personal details removed.
CASE 1
Suspicious creator tool
Three months of statements were created with word-processing software that the issuing bank never uses for its statements.
Caught by File analysis
File analysis
Fail3 issues found in 3 files
Created with software this bank does not use
Created with software this bank does not use
Created with software this bank does not use
CASE 2
RM700 added, balance no longer tallies
An RM700 payment was added to the statement, but the balance after it doesn’t add up.
Caught by Content integrity check
Your customers’ documents stay protected
Customer data belongs to you, and on a private environment you can set your own data policy. Everything is encrypted at rest and in transit.
Document fraud detection: frequently asked questions
How can banks detect fake bank statements in Malaysia?
Finory checks each bank statement automatically with multi-layer document fraud detection, from file analysis to its proprietary DNA-level integrity check and cross-document matching. Each application gets a clear pass or fail in minutes, with the reason for any flag.
Can Finory detect statements edited with PDF editing software?
Yes. Even when an edited statement looks genuine and passes surface checks, Finory’s proprietary DNA-level integrity check detects that it was changed after the bank issued it.
Can AI-generated statements or scanned copies get past Finory?
No. An AI-generated statement, whether it’s an image or a PDF, can’t pass verification as an original e-statement. Finory gives the strongest result on original e-statements downloaded from online banking, so its File Check flags images and scans at upload and asks the applicant for the original, which is then checked for tampering.
Which documents can Finory check for tampering?
Finory’s document fraud detection currently covers bank statements from all Malaysian banks and EPF statements. Payslips can be uploaded in the same application for File Check and cross-document matching.
How long does a document fraud check take?
Results arrive in minutes. A typical personal loan application, with 3 months of bank statements, 2 years of EPF statements and 3 months of payslips, is completed in 1 to 5 minutes on average.
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.
Test Finory on your own documents
Send us genuine and tampered samples, and we’ll show you what each layer finds.
Book a demo