See the borrower’s full financial picture, not just a credit report

How can Malaysian lenders verify a borrower’s income from bank statements?

Finory detects every income source in a borrower’s bank statements, payslips and EPF statements, then scores each one for frequency, amount consistency and stability. It also extracts the employer’s name automatically, so credit teams can verify salaried and commission-based income without reading statements line by line.

How does Finory assess personal loan affordability?

Finory calculates affordability three ways: balance analysis based on monthly closing balances, payslip income against average monthly spending, and a custom method that subtracts predicted debt repayments and living costs from income. Lenders can use the method that fits their credit policy.

Can Finory detect fake or edited bank statements in a loan application?

Yes. Finory checks bank statements and EPF statements for tampering with multi-layer document fraud detection, including proprietary DNA-level integrity checks that catch edits even when a statement looks genuine.

What risk signals does Finory find in a borrower’s bank statement?

Finory flags risk signals such as gambling transactions, recent loan disbursements and buy now, pay later (BNPL) use. It also detects positive behaviour, including rental payments, utilities, loan repayments, savings, investments and insurance.

Which documents does Finory need for a personal loan assessment?

Finory works with bank statements from all Malaysian banks, payslips and EPF statements, and also supports credit card and eWallet statements. Original e-statements give the strongest result, because every document fraud check can run on them.

How long does a Finory personal loan assessment take?

A typical personal loan application, with 3 months of bank statements, 2 years of EPF statements and 3 months of payslips, takes 1 to 5 minutes on average. Processing time depends on the number of pages, so larger documents such as business bank statements take longer.

How do lenders integrate Finory into their loan process?

Finory is available through an API that sends structured results into a lender’s loan origination system or credit decision engine. Teams can also start with the Finory dashboard, or embed results in their own system with a web component.