FinBox

Catch Every Fraudulent Bank Statement Before Approval

Keep your lending pipeline clean and secure by stopping document, accounting, behavioral, and transactional fraud before they enter your loan book.

Trusted by

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in-built checks

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accuracy in fraud detection

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more fraud detection

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more fraud classification

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different types of fraudulent activity identified automatically

100%

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reduction in fraud with Account Aggregator-enabled verification

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more fraud classification

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different types of fraudulent activity identified automatically

100%

reduction in fraud with Account Aggregator-enabled verification

Screen Every Bank Statement for fraud

FinBox BankConnect is our industry-leading bank statement analyzer designed to give lenders total confidence in their onboarding and underwriting. It combines document fingerprinting, deep transactional and behavioral analytics, and advanced AI-driven checks to detect more than 15 types of fraud. With over 150 built-in rule checks, BankConnect stops bank statement fraud in its tracks while ensuring smoother experiences for real customers.

See FinBox BankConnect in Action

Discover how advanced analytics uncover document tampering, fake transactions, and unusual account behavior to keep your lending pipeline secure.

Features and benefits

Document Fingerprinting

Detects even subtle document tampering by scanning metadata, font, date, logo, and structure against authentic samples to flag forgeries invisible to the naked eye

Accounting Fraud Detection

Identifies inconsistencies in starting, ending, and running balances, detects misstatements in totals, and finds discrepancies in accounting flows typical of manipulation

Behavioral Fraud Analytics

Flags suspicious bank behaviors like salary in perfect multiples, unchanged salary at year-end, or temporary fund inflows/round-tripping aimed at gaming scores

Transactional & Pattern-Based Checks

Surfaces “red flag” transactions such as cash deposits on holidays, RTGS values below thresholds, excessive cash activities, tax payments in round hundreds, and more

Customizable Checks & Deep Analysis

Supports both standard and lender-specific fraud rules, with 150+ check types and cross-validated false positives, ensuring minimal friction for genuine customers

360-Degree Profile Analysis

Builds a holistic risk view by integrating credit score, bank activity, financial behavior, and even merchant spend patterns for more definitive approvals

Instant, Actionable Insights

Automates fraud checks with rapid results so there is no waiting for secondary review. Lenders can instantly review flagged patterns and act before fraud slips through

Audit-Ready, Explainable Outcomes

Every fraud flag includes a transparent rationale and supporting data, ensuring audit trails and regulatory confidence for every decision

Proven Business Impact

Real-world implementation shows 45% fewer fraudulent applications, 96% detection accuracy, up to 30% lower operational costs, and higher approval rates, used and trusted by 100s of lenders from NBFCs to Banks

Document Fingerprinting

Detects even subtle document tampering by scanning metadata, font, date, logo, and structure against authentic samples to flag forgeries invisible to the naked eye

Accounting Fraud Detection

Identifies inconsistencies in starting, ending, and running balances, detects misstatements in totals, and finds discrepancies in accounting flows typical of manipulation

Behavioral Fraud Analytics

Flags suspicious bank behaviors like salary in perfect multiples, unchanged salary at year-end, or temporary fund inflows/round-tripping aimed at gaming scores

Transactional & Pattern-Based Checks

Surfaces “red flag” transactions such as cash deposits on holidays, RTGS values below thresholds, excessive cash activities, tax payments in round hundreds, and more

Customizable Checks & Deep Analysis

Supports both standard and lender-specific fraud rules, with 150+ check types and cross-validated false positives, ensuring minimal friction for genuine customers

360-Degree Profile Analysis

Builds a holistic risk view by integrating credit score, bank activity, financial behavior, and even merchant spend patterns for more definitive approvals

Instant, Actionable Insights

Automates fraud checks with rapid results so there is no waiting for secondary review. Lenders can instantly review flagged patterns and act before fraud slips through

Audit-Ready, Explainable Outcomes

Every fraud flag includes a transparent rationale and supporting data, ensuring audit trails and regulatory confidence for every decision

Proven Business Impact

Proof of Impact

Learn how digital lenders utilize BankConnect’s deep capabilities to fight fraud and clean funnels.

How InCred Finance Achieved 98% Fraud Detection Accuracy with FinBox BankConnect

Watch Video

98%

accuracy in fraud detection

60%

reduction in false positives

Faster funnel-clean ups

Proof of Impact

Learn how digital lenders utilize BankConnect’s deep capabilities to fight fraud and clean funnels.

17%

Increase in approval rates

₹3-4 lakhs

Growth in average ticket size in business loans segment

41%

Account Aggregator adoption rate vis-a-vis 8% concurrent industry average

Read Case Study

Proof of Impact

Learn how digital lenders utilize BankConnect’s deep capabilities to fight fraud and clean funnels.

How InCred Finance Achieved 98% Fraud Detection Accuracy with FinBox BankConnect

Watch Video

98%

accuracy in fraud detection

60%

reduction in false positives

Faster funnel-clean ups

Frequently asked questions

Create tailored application flows with drag-and-drop simplicity and implement adaptive forms — all without coding — using our Journey Builder. Engage prospects early on with our interactive Loan Simulator, helping borrowers understand options before applying and increasing qualified lead conversion.

Personalised borrower experiences, at scale

decisions, stronger risk controls

AI-powered credit intelligence

Comprehensive lending analytics

The Strategic Advantage of Partnership Lending

Download our industry-leading whitepaper, Embedded Credit at Scale — a practitioner’s guide for NBFCs featuring actionable insights, benchmarks, and real-world case studies on how top NBFCs are scaling smarter and faster with FinBox Prism.

Download whitepaper