Lokyata BankAnalyze

Cash Flow Analysis for Lending

Automatically assess loan applicants' financial health and behaviors in real-time using AI.

Cash Flow Analysis for Lending
AI-Drive CashFlow Analysis​

AI-Driven CashFlow Analysis

  • Bank statements are a rich source of data that facilitates cash flow analysis
  • Fast and accurate transaction categorization is essential for robust cash flow analysis
  • Categorization facilitates knockout rule enforcement, modeling, and decisioning
  • Reduce human errors, boosts efficiency, and lowers costs
  • KPIs, Rules, Scores, Trends Drive Fully Customizable Decisions Workflows.
  • Ensure Consistency, Fairness, and Objectivity while Instantly Evaluating Up to 2 Years of Account History.

Modeling Borrower Risk

  • Accurate transaction categorization and income and debt calculations facilitate robust machine-learning models
  • Lokyata has combined years of experience in creating expert models to create features optimal for modeling borrower risk
  • We also understand that our models have to have a level of transparency in order to indicate reasons for rejection
Modeling Borrower Risk​