Frequently asked questions about Fineksi

Fineksi is an AI document intelligence platform for credit analysis. It reads, verifies, and analyzes borrower documents - bank statements, financial statements, payslips, legal and collateral documents - and turns them into decision-ready data for banks, finance companies, and P2P lenders.

Fineksi recognizes and classifies more than 200 document types found in a credit file, including bank statements, financial reports, payslips, tax returns, identity documents, deeds of establishment, contracts, collateral certificates, invoices, and purchase orders - as PDFs, scans, or phone photos.

Fineksi reviews documents up to 40x faster than manual processing and delivers results in minutes, with up to 99% field-level extraction accuracy. Teams using Fineksi report around 80% higher productivity and 95% less human error in document review.

Every file goes through tampering forensics, cross-document reconciliation, and anomaly detection. Fineksi flags manipulated or forged documents and unusual transactions, and checks that figures agree across documents - for example, that the salary on a payslip matches the payroll credits on the bank statement.

Yes. Fineksi is ISO 27001:2022 certified, encrypts data in storage and in transit, and keeps a full audit trail of every extraction, check, and override. It can be deployed as SaaS, in a single-tenant VPC, or fully on-premise, with in-region data residency.

Fineksi fits into the workflow you already run. Documents can be uploaded directly or streamed from your loan origination system (LOS) via API, and the structured, explainable output flows back into your scorecard or LOS - no rip-and-replace required.

Fineksi serves banks, finance (multifinance) companies, and P2P lending platforms. They use it for products such as SME and working-capital loans, vehicle and fleet financing, mortgages, invoice financing, and supply chain financing. Fineksi has offices in Singapore, Indonesia, and Vietnam.

Book a 45-minute demo and consultation with the Fineksi team. You can bring your own documents - including your hardest credit files - and watch them processed live during the session.

Fineksi AI bank statement analysis is a solution that automatically reads every page of a borrower's bank statements and turns it into structured data for credit analysis. Fineksi categorizes transactions, identifies cash-flow patterns, estimates revenue and expenses, and detects tampering and anomalies - work that analysts would otherwise do by hand.

Fineksi spreads full financial statements automatically - balance sheet, income statement, cash-flow statement, and statement of changes in equity - and computes efficiency and leverage ratios, so analysts receive ready-to-use figures instead of retyping numbers from PDFs.

Generic OCR only converts images into characters. Fineksi understands the layout and meaning of credit documents - tables, headers, stamps, and handwriting - then verifies the data, reconciles it across documents, flags tampering, and delivers analysis that supports the credit decision.

Documents can be uploaded by drag and drop, captured on mobile, or streamed directly from your loan origination system via API. Fineksi accepts PDFs, scans, and phone photos in any orientation or quality.

Fineksi supports SME loans, automotive loans, and mortgages, as well as working-capital and investment loans, fleet and heavy-equipment financing, factoring, invoice financing, PO financing, supply chain financing, and term loans.

Fineksi builds a picture of a small business's real financial health from the documents SMEs actually have. It analyzes cash flow from bank statement transactions, spreads financial reports with key ratios, and verifies the legal entity and signing authority from legal documents.

For vehicle financing, Fineksi cross-checks identity documents against the application in seconds, verifies income against payroll credits on the bank statement, and profiles affordability and existing obligations automatically - giving financing teams dealership-speed analytics.

Fineksi produces an income-stability and obligation profile in one pass: 3-6 months of income from payslips and statements, and obligations and disposable income mapped across the loan tenor.

Fineksi turns each credit file into analytics such as average monthly inflow, cash-flow trends, debt-service coverage, debt-to-income and obligation ratios, verified income, buyer concentration, and risk signals like bounced cheques or delinquency markers.

Fineksi has three offices across Southeast Asia: Singapore, Jakarta (Indonesia), and Ho Chi Minh City (Vietnam).

Fineksi is funded by venture investors including Iterative, Tenity, Hi2 Global, Accelerating Asia, 6igma Ventures, and Protégé Ventures. It is supported by The LHoFT, Shinhan Future's Lab, BNI Ventures, NVIDIA Inception Program, Google for Startups, and Startup Studio Indonesia.

Yes. Fineksi's information-security management system is independently certified to ISO 27001:2022. In Indonesia, Fineksi is also registered with Komdigi and AFTECH.

Fineksi's mission is to build trusted AI solutions that enhance credit analysis capability, transforming the lending industry through intelligent document processing and predictive analytics - so every financial institution has access to world-class AI.

You can book a 45-minute demo with the team, email support@fineksi.com, or reach Fineksi on WhatsApp and LinkedIn using the contact details at the bottom of this page.