CART — Credit Assessment & Robotic Transformation

AI Bank Statement Analyzer for Smarter Credit Decisions

Transform raw bank statements into financial intelligence, fraud signals, and automated credit insights in seconds. CART processes 900+ signals per borrower — 5× faster than manual review.

Book a DemoExplore Solutions
600M+
Transactions Analyzed
80%
Faster Underwriting
70%
Less Manual Review
900+
Intelligence Signals
The Problem

The Problem Financial Institutions Face

Manual bank statement analysis is still one of the most time-consuming parts of credit underwriting.

5 min
Receive bank statement
30 min
Manually read 300+ transactions
20 min
Identify income & obligations
15 min
Spot check for suspicious patterns
30–90 min
per application — CART does this in 5 seconds
Legacy Pain Points
30–90 min per application
Error-prone manual review
Impossible to scale
High analyst overhead
One Platform, Many Solutions

Financial Intelligence Platform for Credit Underwriting

01

Account Aggregator Integration

CART connects with India's Account Aggregator ecosystem to securely access borrower financial data with customer consent.

  • Secure consent-based financial data access
  • Direct bank data retrieval via AA network
  • Elimination of manual document uploads
02

Bank Statement Analyzer

CART's AI-powered analyzer automatically extracts and analyzes transactions from bank statements.

  • Automated PDF and digital statement parsing
  • Transaction categorization (income, expenses, transfers)
  • Cash flow analysis and income detection
03

Financial Statement Analysis

For SME and corporate lending, CART analyzes financial statements such as balance sheets, P&L statements.

  • Automated financial statement parsing
  • Revenue and profit trend analysis
  • Financial ratio computation
04

ITR / GSTR Analysis

CART analyzes borrower tax documents to validate declared income and business activity.

  • Automated extraction of tax data
  • Revenue and income verification
  • Detection of inconsistencies between financial documents
05

Salary Slip Verification

CART automatically verifies salary slips to confirm borrower income and employment information.

  • Automated salary slip data extraction
  • Net income and deduction analysis
  • Cross-validation with bank statement income
06

Credit Bureau Analysis

CART integrates with credit bureau systems to retrieve and analyze borrower credit history.

  • Credit score retrieval
  • Loan obligation analysis
  • Delinquency and repayment history
07

HawkEye — Early Stress Signals

HawkEye is CART's proactive stress-detection engine that continuously monitors borrower financial behaviour.

  • 900+ real-time risk signals per borrower
  • Detect stress 60–90 days before first missed EMI
  • Automated stress flag escalation
Signal Intelligence

From Raw Transactions to Financial Intelligence

CART converts thousands of raw bank transactions into structured financial insights. 900+ signals are generated across five categories:

Income Signals
  • •Salary consistency
  • •Income volatility
  • •Multiple income sources
  • •Irregular income patterns
Cashflow Signals
  • •Average monthly inflow
  • •Net surplus
  • •Cash flow stability index
  • •Seasonal variations
Obligation Signals
  • •EMI detection
  • •Loan repayment patterns
  • •Total obligation burden
  • •Obligation-to-income ratio
Behavior Signals
  • •Discretionary spending ratio
  • •Spending concentration
  • •Weekend vs weekday patterns
  • •High-risk merchant activity
Risk Signals
  • •Negative balance frequency
  • •Irregular transaction spikes
  • •Cheque bounce patterns
  • •Dormant-to-active shifts
Results

Operational Impact

80%
Underwriting Time Reduced
From 30–90 min to under 5 seconds
70%
Manual Effort Reduced
Free analysts for high-value work
94%
Fraud Detection Accuracy
Up 35% vs traditional methods
5×
Operational Scalability
Process more applications with same team

Transform Credit Underwriting with CART

CART brings together banking data, financial documents, tax records, credit bureau information, and automated analysis into a single intelligent platform.

Book a Live DemoExplore CART Solutions