Bank Statement Analysis API

Get the story behind the bank statement

With Signzy’s bank statement analyzer, you can process and extract valuable insights from bank statements, enhancing creditworthiness and financial health assessments.

Extensive Data Extraction

Gain access to over 1,000 data points, including salary credits, recurring expenses, loan EMIs, investments, and more, providing a holistic financial picture.

Transaction Segmentation

Our platform segments outflow and inflow transactions into categories such as rent, food, loans, etc., providing you with valuable insights into spending patterns.

Multi-Account Analysis

Seamlessly consolidate and analyze data from multiple bank accounts, ensuring a complete financial overview, even when accounts have been changed.

BSA Scorecard PDF

We provide a detailed BSA Scorecard in PDF format, offering you a quick overview and analysis of the data.

Fraud Detection

Identify potential fraudulent activities with our advanced fraud indicators, including amount infusion, balance sheet manipulation, and metadata analysis.

Holistic Portfolio View

Integrate data from mutual funds, fixed deposits, equities, and recurring deposits, enabling a comprehensive assessment of an individual's or business's financial standing.

Customizable Rules Engine

Tailor our analysis to your unique underwriting criteria, incorporating your unique risk assessment models and policies.

UPI Transaction Analysis

We provide comprehensive analysis of UPI transactions, enabling you to gain deeper insights into customer transaction behavior.

Email Statement Fetching

Our platform allows for easy retrieval of bank statements via email, streamlining the process for you and your customers.

Low Cost

Our solution is competitively priced, offering you substantial cost savings without compromising on quality.

What can you use Signzy's Bank Statement API for?

Loan Sanctioning

Assess creditworthiness and risk profile of loan applicants based on bank statement analysis.

Evaluate income stability, debt levels, and spending behavior to determine loan eligibility.

Automate loan underwriting processes and reduce manual intervention through API integration.

Investor Onboarding

Analyze investor's financial profile and risk appetite.

Assess investment suitability and recommend personalized investment strategies.

Streamline onboarding processes by automating KYC and compliance checks with API integration.

Financial & Analysis Reports

Generate detailed reports summarizing fraud, investment, income, obligation, and spending analysis.

Provide insights and recommendations for improving financial health and decision-making.

Customize reports based on client preferences and reporting requirements.

Enhance transparency and communication with clients through clear and actionable insights.

Vendor Assessment

Assess the financial stability of vendors by analyzing cash flow and transaction patterns.

Identify unusual transaction patterns or irregularities to mitigate potential risks.

Use financial insights to negotiate payment terms based on the vendor's financial health.

Credit Risk Underwriting

Evaluate consistent inflows and outflows to determine a borrower’s creditworthiness.

Identify instances of bounced payments or overdrafts that indicate financial strain.

Use historical transaction patterns to predict the likelihood of default.

loan sanctioning,investor on-boarding and financial analysis reports done with accuracy

Pick the best for your business

Functionalities	Others
Auto switch between Account aggregator &manual uploadtary of State
Average response time is less than 3s
360 Degree Financial Analysis of Individual & Business
Multi Bank Statement consolidated Analysis
Single API for Credit Card, Bank statement analysis
Fetch statement through E-Mail
BSA Scorecard PDF for quick overview and analysis

Credit Underwriting made simple

With Signzy’s Bank Statement Analysis API, you have everything you need to make your underwriting process more comprehensive, holistic and customised.

I Income Analysis

Calculate total income, analyze stability, categorize sources, and assess debt-to-income ratio to understand financial health and predictability.

I Fraud Analysis

Identify and flag irregular patterns, suspicious transactions, and potential fraudulent activities using advanced machine learning algorithms for comprehensive fraud detection.

I Obligation Analysis

Identify and analyze recurring expenses, debt levels, and repayment behavior to evaluate financial obligations and potential opportunities for debt management.

I Spend Analysis

Categorize and analyze spending trends over time to identify patterns, optimize budgeting, and distinguish between discretionary and non-discretionary expenditures.

I Investment Analysis

Evaluate investment patterns, asset allocation, and risk tolerance based on transaction history to provide insights into investment behavior and strategy suitability.

Bank statement data at your fingertips