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The Account Statement Analysis tab provides an in-depth financial assessment based on a customer’s bank statement. By analyzing transaction history, spending patterns, income sources, and other financial activities, this feature helps you understand the customer’s financial behavior, risk profile, and overall financial health.

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How It Works

The account statement PDF must be uploaded as a raw file via form-data, not as a Base64-encoded string. Ensure the PDF is the original bank-generated statement — scanned images or screenshots are not supported.
  1. Upload the customer’s bank account statement PDF in the card.
  2. The system processes the statement and generates a detailed breakdown of the customer’s financial activity.

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What You Get

Once the statement is processed, the analysis covers the following areas:
  • Account Breakdown — Total credits, debits, average monthly and weekly balances, and the statement period covered.
  • Expense Breakdown — Categorized spending across airtime, transfers, ATM/POS, entertainment, health, rent, utilities, travel, and more.
  • Inflow Breakdown — Salary detection, additional income sources, estimated salary payment day, and recurring salary patterns.
  • Funds Management — Cash flow assessment (positive or negative), loan activity, gambling detection, account sweep status, and inflow irregularity.
  • Transaction Routine Breakdown — Transaction frequency, balance distribution ranges, credit vs. debit ratios, and card request history.