Automated Credit Card Statement Analysis for Faster Lending Decisions

Perfios Credit Card Statement Analyser automates the extraction, categorization, and validation of credit card transactions, delivering real-time financial insights.

How It Works

Upload Credit Card Statements

Submit statements via API, batch upload, or manual input for analysis.

Al-Powered Data Extraction

Captures transaction details, balances, and repayment history, structuring them for easy evaluation.

Risk & Fraud Detection

Flags high-risk spending patterns, inconsistencies, and potential fraudulent activity.

Insights & Reporting

Generates comprehensive financial summaries report.

Key Benefits

Faster Credit Risk Assessment

Reduces manual processing time from days to minutes, enabling quicker lending decisions.

Accurate Borrower Profiling

Provides deep insights into spending behavior, EMI payments, and credit exposure, improving risk evaluation. 

Fraud Prevention & Compliance 

Detects manipulated statements, undisclosed liabilities, and financial inconsistencies, ensuring safe lending. 

Fraud Prevention & Compliance 

Detects manipulated statements, undisclosed liabilities, and financial inconsistencies, ensuring safe lending. 

Better Credit Decisions 

Generates structured reports with risk insights, enhancing underwriting accuracy and approvals. 

Key Features

Automated Transaction Categorization 

Analyzes spending patterns, repayment behavior, and outstanding balances, providing a clear borrower profile. 

Built-in Risk Analysis

Flags irregular spending, cash advances, and high credit utilization, enabling lenders to assess risk levels accurately. 

Multi-Format Data Processing 

Processes PDFs, scanned images, and digital statements from multiple financial institutions seamlessly. 

Fraud & Anomaly Detection 

Identifies inconsistent transaction patterns, falsified statements, and excessive debt reliance, reducing lending risks. 

Seamless API Integration 

Connects effortlessly with LOS, risk assessment, and underwriting platforms, ensuring real-time decision-making.