Kashva aggregates and analyses a customer's bank data across all of their accounts — turning raw statements into the income, affordability and risk signals your teams need to underwrite with confidence.
Concept demo for bank underwriting & risk teams · Multi-account aggregation · UK & UAE
Customer risk profile
Applicant #4821 · Sole trader
Accounts aggregated
4
Verified income
£3,920/mo
Risk signals
Decision in
8.2s
across all accounts
All accounts
Aggregated into one profile
Income & risk
Signals extracted automatically
Seconds
From statements to decision
Audit-ready
Per-customer data isolation
Kashva does in seconds what an analyst would spend hours reconciling across statements — and surfaces the signals that drive better risk decisions.
Consolidate every current, savings, and credit account a customer holds — across banks — into a single, deduplicated financial profile.
Identify salary, recurring income and true disposable income to assess affordability — not just declared figures.
Surface overdraft reliance, returned payments, gambling spend and cash-flow volatility that materially affect creditworthiness.
Detect existing commitments — loans, standing orders, subscriptions — for an accurate, evidence-based debt-to-income view.
Move from a single applicant to a portfolio-wide risk lens — for ongoing monitoring, early-warning and re-underwriting.
Per-customer isolation, full transaction lineage and no third-party data sharing — designed for regulated lending environments.
A single pipeline that takes a customer's raw bank data and hands your team a decision-ready risk summary.
Bring in PDF or CSV statements across all of a customer's accounts. Kashva parses, normalises and deduplicates automatically.
AI categorises each transaction, verifies income, identifies obligations and flags risk signals across the full history.
Analysts receive a clear affordability and risk summary — supporting faster, more consistent and more defensible decisions.
Spending & obligations breakdown
Debt-to-income
31%
Within policy
Surplus income
£1,140/mo
after commitments
Customer financial data is sensitive. Kashva keeps every customer's data isolated, traceable to source, and never shared with third parties — so risk teams can rely on what they see.
Each customer's data is scoped and access-controlled — no cross-tenant exposure.
Every signal traces back to the exact statement line it was derived from.
Customer data is used only to produce the bank's risk view. Never sold, never shared.
Book a walkthrough of the Kashva concept and see how complete, cross-account customer data sharpens underwriting and risk decisions.
Admin sign inConcept demo · For bank risk & underwriting teams · UK & UAE