Bank Statements Have Layers. Transaction Intelligence Platform Reads Them All.

Go past typical BSA's keyword-matching and profile with precision using multi-source signals

Case study 1

Meet Ramesh: Salaried, Steady, and Seemingly Low-Risk

Works at X PayTech Ltd. Regular salary inflows, small loans, high bureau score. A straightforward profile? Not quite.

What BSA Detects
  • ₹62K salary
  • ₹9K EMI
  • ₹53.5K average balance
  • No additional risk
Verdict: Low-risk borrower
What TIP Uncovers
  • ₹74K income (includes ₹12K income via freelancing)
  • ₹18K hidden EMI via merchant RTGS
  • P2P inflow from individual ( ₹21K recycled funds)
Verdict: Higher debt burden and liquidity risk which was  missed by traditional BSA
Case study 1

Meet FinEdge: High-Growth Fintech Startup

Revenue coming in, active payrolls. Looks healthy on the surface. But is it sustainable?

What BSA Detects
  • ₹1.9L+ monthly inflow
  • No salary issues
  • No red flags or bureau loans
Verdict: Clean cashflows
What TIP Uncovers
  • High % of income from individuals and recycled UPI sources
  • Salaries paid via personal accounts
  • Linked to online betting activity
  • Exposure to crypto platforms
  • High-risk cash flow pattern despite strong inflows
Verdict: Unstable income quality and regulatory risk, invisible to BSA

Your Next-Gen Underwriting Layer

Enhanced Due Diligence

Enhanced Due Diligence

Detects tampering through 12 advanced design and metadata integrity checks far beyond basic hygiene.

Intelligence Income Detection

Intelligence Income Detection

Accurately identifies both recurring and one-time income with the highest detection hit rate in the industry, powered by inhouse LLMs.

No More Hidden Obligations

No More Hidden Obligations

Uncovers ongoing and undisclosed debts, including those not reported to bureaus all in one unified view.

New-Age Risk Library

New-Age Risk Library

Leverages 60+ continuously evolving risk signals to assess behavioral, financial, and transactional threats.

Cross/Up-sell Affinities

Cross/Up-sell Affinities

Unlock customer value through affluence signals and insights for targeted cross-sell and upsell opportunities.

Early Warnings Matter

Early Warnings Matter

Surfaces early signals of risk, fraud, or instability so you act before they impact your portfolio.

Same Data, More Insights

Same Data, More Insights

Enriches bank data by triangulating it with public and private sources to deliver deeper, contextual intelligence.

Tailor Made for Your Use Case

Tailor Made for Your Use Case

Custom-built analysis and signals optimized for retail, SME, and self-employed lending strategies.

Capture Sophisticated Risk Signals Across Your Borrowers’ Profiles

Solopreneurs

Solopreneurs

  • Irregular purchases

  • Single vendor dependence

  • High credit cycle

Solopreneurs

Public
Companies

Public Companies

  • Accounting irregularities

  • Overleveraged balance sheet

  • Delays in regulatory disclosures

Public Companies

Salaried
Individuals

Salaried Individuals

  • False salary slips

  • High EMI-to-income ratio

  • Investments in high-risk assets

Salaried Individuals

Gig
Worker

Gig Worker

  • Irregular and unpredictable income

  • No EPFO or formal payroll footprint

  • Limited or no credit history

Gig Worker

Self
Employed

Self Employed

  • Improper or unverifiable income details

  • Dependence on a single customer

  • Low asset backing

Self Employed

Our Perspective On Reinventing Credit Intelligence

Ready to Ride the New Wave of Underwriting?

Join leading financial institutions using IDfy's Transaction Intelligence Platform to make smarter lending decisions and reduce risk.

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