Our Software

Statement Analyzer

Turn M-Pesa and bank statement PDFs into a structured cash-flow and credit-risk appraisal.

Available now · Demo on request · Built for lenders, saccos, microfinance institutions and businesses that assess financial statements

Problems It Solves

Reading statements line by line

Credit officers scrolling through months of transactions to understand one applicant.

Risk signals that are easy to miss

Betting, Fuliza reliance and loans from several digital lenders hidden among hundreds of entries.

Inconsistent appraisals

Two officers reading the same statement and reaching different conclusions.

Scanned statements

Image-only PDFs that cannot be searched or copied.

Features

What It Does

Input

  • M-Pesa statements and Kenyan bank statements in PDF
  • Scanned, image-based PDFs supported
  • Several statements combined into one appraisal
  • Files up to 50 MB

Analysis

  • Money in and money out, broken down by category
  • Monthly cash-flow breakdown
  • Top senders and recipients
  • Digital-lender loans: received, repaid, repayment rate and outstanding
  • Fuliza usage and betting activity
  • Income stability

Output

  • Credit score from 0 to 100 with an A–E grade and the factors behind it
  • Risk flags with severity
  • Saved appraisals you can search and reopen
Privacy & Security

How Data Is Protected

Privacy & security

  • Every user signs in; passwords are hashed and sessions expire after 8 hours
  • Statement text — or page images, for scanned PDFs — is sent to a third-party AI provider for analysis. Tell us your confidentiality or data-residency requirements and we will discuss the options
  • The score is decision support produced by an AI model. It can make mistakes, should be reviewed by a credit officer, and is not a credit reference bureau report
Deployment & Licensing

Getting Started

Deployment, hosting and licensing options are discussed during your demo and agreed in writing before you commit. Pricing is provided on request.

Scoring guidance and outputs can be adapted to your lending policy as a separate engagement.

FAQ

Common Questions

Which file formats are supported?
PDF statements up to 50 MB, including scanned statements.
Which statements does it understand?
M-Pesa statements and statements from Kenyan banks. Several statements for the same applicant can be combined into one appraisal.
Is this a credit bureau check?
No. It analyses the statements you upload. It does not query a credit reference bureau.
Where is statement data processed?
Statement content is sent to a third-party AI provider for analysis, and saved appraisals are stored by the application. We discuss confidentiality and data-residency requirements with you before deployment.

See the Statement Analyzer in action

Book a demo and we will walk you through it with your own workflows in mind.