Cash-flow analytics · for lenders already on AA
Your AA data is valuable. We make it useful.
Add ClariaTech's analytics layer on top of the Account Aggregator data you already receive, and give your credit team a report instead of raw JSON.
01What happens to your data
From raw financial data to a credit-ready report
- Raw financial dataAA FI data or PDF
- ClariaTech
- Normalised transactionsOne format, every bank
- Cash-flow intelligenceCategories, patterns, flags
- Credit-ready reportAPI, dashboard, PDF
02Why add analytics
AA gets you the data. Your team still has to read it.
Raw AA data
With ClariaTech
Transaction JSON nobody on the team can read
Monthly flows, EMIs, bounces and red flags on one page
Different narration formats from every bank
Normalised, categorised transactions
Analysts rebuilding the same spreadsheet for each file
The same report structure for every applicant
PDF applicants handled in a separate process
One workflow, with PDF-sourced reports clearly marked
03What your credit team gets
Facts an underwriter uses. The decision stays yours.
We never approve, decline or score. Your credit policy and your team decide.
| Insight | What it shows | Source |
|---|---|---|
| Inflow and outflow | Credits, debits and net flow, per month and per account | Bank |
| Balances | Daily average, month-end balance, low-balance days | Bank |
| Income | Salary or business receipts, regularity, top payers | Bank |
| Obligations | EMIs, loan repayments and recurring debits | Bank |
| Bounces | Cheque, ECS and NACH returns with charges | Bank |
| Categories | Suppliers, salaries, rent, utilities, tax, cash | Bank |
| Red flags | Circular transfers, cash deposits near EMI dates, betting merchants | Bank |
| GST turnover | Declared turnover against bank credits, filing regularity | GST soon |
04Fits your workflow
No need to replace your LOS
ClariaTech works alongside your existing lending workflow.
- API
- Send consented data in, get structured insights and the report back into your LOS.
- Dashboard
- Your analysts search applicants and read reports in the browser.
- Applicant report
- A one-page PDF for the credit file and the credit committee.
See it on your own applicants
Book a 20-minute demo. We'll walk through a report and how it would fit your credit process.
Request a demo