Bank Statements & Credit Reports
Verify every document before the loan is approved
Automated extraction, tamper detection, and anomaly checks across any bank statement or credit report. Every field is verified with evidence before the credit decision is made.
The problem
Your loan officers and credit analysts work from bank statements and reports to build the case for every approval. The balances, transaction histories, repayment patterns feed directly into credit decisions. But the documents themselves can be fabricated, altered, or inconsistent. Manual reviews are no match for the sophistication or pace of modern loan fraud.
Manual reviews can't keep up. Every loan application adds documents that need to be verified, not just extracted. Your team can check the figures, but they cannot inspect pixel-level tampering or spot contradictions between documents.
Most tools don't verify what they extract. They extract the data on the page. They don't check whether the document has been altered, whether figures are internally consistent, or whether income on a bank statement contradicts a credit report. Extraction without verification passes risk straight to the loan approval.
Regulators require document trails. When an auditor pulls a loan file, every extracted figure needs to trace back to the original statement, not to a spreadsheet your team reconstructed.
What Staple does
Staple supports the credit decision with verified, evidence-backed data. It does not make the credit decision or act as a scoring engine.
Structured extraction from any format, any bank
Scanned PDFs, digital exports, photographs, and
dot-matrix statements. No templates. Statements: opening and closing balances, transaction lines, account holder, period, currency, bank identifiers. Credit reports: scores, payment history, outstanding obligations.
Surfaces the Signals, Flags the Risks
Scanned PDFs, digital exports, photographs, and
Staple contextually identifies income, recurring obligations, and cash-flow patterns, so analysts get the signals that matter, not just raw transaction lines. Apply your own thresholds and rules, and Staple flags anomalies before the file reaches a credit analyst, such as income on a statement contradicting a credit report.
An audit trail for every field
Verifiable record for every extracted value, which you can produce on demand.
Multilingual processing
Bahasa, Chinese, Korean, Thai and Vietnamese with native language models trained on Asian financial documents. A Thai baht amount formatted as “฿1,250,000.00” and one formatted as “1,250,000.00 บาท” are recognised as the same figure.
Data Reconciliation for financial documents
Bank statements are cross-checked against credit reports and KYC documents with a field-by-field comparison on account numbers, balances, and transaction totals. Discrepancies are highlighted automatically.
Proof
Global bank (Australia)
Automating back and middle office document processing across three departments.
“There is a lot of excitement around Staple internally. There are so many potential applications for Staple to deliver automation to the broader group.”
Delivery Lead
Global Bank
Big 4 Firm
450+
employee hours per month eliminated from financial document processing, including bank statements for client due diligence
Global FMCG brand
99.6%
accuracy across multilingual financial documents
See extraction on your bank statements
Book a 30-minute demo. Bring your bank statements or credit reports and we will verify them in front of you.
Common questions
Can Staple detect a forged or altered bank statement?
Yes. Before extracting data, Staple runs file-metadata and pixel-level forensic checks to catch tampering the eye cannot see, so an altered statement is flagged at intake rather than passed into a credit decision.
Does Staple make the credit decision?
No. Staple supports the decision by delivering verified, evidence-backed data and flagging anomalies. It does not score applicants or act as the credit-decision engine.
What can Staple extract from a bank statement or credit report?
From statements: opening and closing balances, transaction lines, account holder, period, currency, and bank identifiers. From credit reports: scores, payment history, and outstanding obligations, across any format and any bank, with no templates.
How does Staple handle statements in different languages?
Native language models trained on Asian financial documents process Bahasa, Chinese, Korean, Thai, and Vietnamese, recognising the same figure across different currency formats and layouts.
How is the data auditable?
Every extracted field carries a verifiable record traceable to the original statement, producible on demand during an audit rather than reconstructed from a spreadsheet.