Smarter Lending Starts with Smarter Data.

What is Finana ?

Finana is PayKosh’s AI-based bank statement analysis tool that turns raw transaction data into actionable financial intelligence in seconds.

Built for lenders, NBFCs, and fintech institutions, Finana helps teams assess creditworthiness, detect risk patterns, and streamline decision-making all without manual reviews or spreadsheets. Whether you’re handling thousands of applications a day or just starting your digital lending journey, Finana makes underwriting smarter, faster, and more reliable.

Why Traditional Analysis Falls Short

  • Time-Consuming – Manually reviewing transactions across months of statements takes hours if not days per borrower.

  • Error-Prone – Missed bounce charges, double-counted credits, and ignored trends lead to poor decisions.

  • Unscalable – With rising application volumes, manual teams hit bottlenecks fast.

  • No Pattern Recognition – Traditional methods miss deeper behavioral patterns like cyclic cash flow issues or strategic defaults.

How Finana Fixes It

  • AI-Powered Categorization
    Finana classifies every transaction—salary credits, EMIs, rent, transfers, reversals—with high accuracy using machine learning.

  • Real-Time Cash Flow Scoring
    Generate borrower health scores, FOIR, inflow/outflow summaries, and month-over-month trend analysis in seconds.

  • Fraud & Risk Flags
    Spot red flags like cash surges, frequent charges, low closing balances, overdrafts, and inconsistent income.

  • Instant Reports, Seamless Integration
    Generate fully formatted, audit-ready PDFs or plug Finana into your LOS or credit engine via API.

  • Custom Rules & Thresholds
    Define your own business logic for what counts as risk, stability, or approval-readiness.

What’s Inside a Finana Report ?


Here’s what our AI delivers in one consolidated, automated output:

  • Income Consistency & Salary Detection

  • Spending Patterns & High-Risk Outflows

  • Bounce Charges & Minimum Balance Tracking

  • Loan EMI Analysis & Existing Liabilities

  • Month-over-Month Trends

  • Risk Triggers & Warning Flags

  • Creditworthiness Summary & Decision Support

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