Turn credit documents into underwriting decisions in seconds
Finklusi's AI-powered document intelligence reads bank statements, financial statements, credit history and payslips — and converts them into the risk analysis, recommendations and financial-health insight your credit team can act on.
Authentic
Authenticity 98 / 100
Stable cash flow
Consistent payroll · Low DTI
Strong
Stable cash flow · DSCR 1.8x
Trusted by many BPR
0x
Faster than manual document review
0%
Field-level extraction accuracy
0%
Less human error in credit analysis
0/7
Platform availability & support
Credit teams shouldn't be data-entry teams
Underwriting is slowed down by unstructured documents, inconsistent analysis and fraud risk. Finklusi removes the bottleneck without removing control.
Days spent re-typing bank statements, financials and credit history documents (SLIK, Pefindo, CLIK, etc.)
Automated extraction turns documents into analysis-ready data in seconds — 40x faster than manual review.
Inconsistent analysis between analysts and branches
Standardized ratios, scores and credit signals applied identically to every application.
Tampered or fabricated documents slipping through
AI fraud detection flags manipulated statements and cross-checks figures across documents.
Loan application volume growing faster than the credit team
The same manpower processes a far larger volume of loan applications — AI handles the document work.
Everything underwriting needs from a document
One AI pipeline from raw file to credit-ready insight — engineered for accuracy, auditability and speed.
Intelligent Extraction
Our AI automatically extracts, classifies, and processes credit analysis related documents with high accuracy. Advanced OCR handles any document format.
Fraud & Tamper Detection
Our model analyzes patterns to detect document manipulation, alterations, sophisticated forgeries and anomaly transactions.
Cash-flow Analytics
Transaction categorization, revenue and expense estimation, and seasonality patterns from bank statements.
Predictive Analytics
Our AI provides predictive modeling, anomaly detection, and intelligent forecasting for proactive decision-making.
Secure Infrastructure
Our infrastructure is designed with a defense-in-depth approach, ensuring end-to-end protection of data and process across all layers.
Lightning Fast
Documents processed in seconds, not days — 40x faster than manual review, at any volume.
Trusted the way a bank requires
Security isn't a feature of Finklusi — it's the foundation. Your customers' data is protected end to end.
ISO 27001:2022 Certified
Independently audited information security management system.
Encryption Everywhere
Enterprise-grade encryption safeguards data during storage and transmission.
Data Residency Options
Deployment options that keep data in-region to meet regulatory requirements.
Access Control & Audit
Role-based access, SSO support and immutable audit logs for every action.
PII Protection
Field-level redaction and strict retention policies for personal data.
Reliability by Design
Redundant infrastructure and continuous monitoring for underwriting-critical uptime.
Built around how BPR lend
One platform covering the loan products that drive your portfolio — from micro productive loans to payroll-backed consumer credit.
Micro & SME Productive Loans
Working-capital and investment credit for the businesses at the heart of your book.
- Bank statement & cash-flow analysis
- Automated financial spreading
- Business legality verification
Consumer & Payroll Loans
Fast, fair eligibility decisions from credit history and verified salary.
- Credit history (SLIK) behaviour scoring
- Payslip & payroll-deposit verification
- DTI & eligibility recommendation
Collateralized Financing
Confidence in what secures every loan — property, vehicles and beyond.
- Property certificate validation
- Vehicle ownership (BPKB) analysis
- Cross-document verification