Tera analyzes bank transaction data to verify income, decode spending patterns, and surface risk signals — helping NBFIs, fintechs, and digital banks make faster, more accurate lending decisions.
Financial institutions rely on slow, error-prone methods to evaluate borrowers. The result: increased risk exposure, delayed decisions, and missed revenue opportunities.
Analysts spend hours reviewing bank statements with inconsistent results and high cost-per-decision.
Self-reported income and static snapshots fail to reveal true spending behavior and financial patterns.
Fraudulent bank statements are increasingly common, exposing institutions to undetected credit risk.
Lengthy verification processes frustrate applicants and reduce conversion rates across lending products.
Tera transforms unstructured transaction data into structured financial insights in minutes, not days.
Bank transaction data is uploaded directly or connected via secure API integration with your existing systems.
Machine learning models process transaction records, detecting income patterns, spending categories, and behavioral signals.
Tera generates verified income streams, cash flow analysis, spending breakdowns, and risk indicator reports.
Insights feed directly into your credit scoring, onboarding, or risk assessment workflows.
Automatically identifies and validates recurring income sources, salary patterns, and freelance or irregular earnings across transaction history.
Categorizes all outgoing transactions — housing, utilities, subscriptions, discretionary — to reveal real spending patterns and financial habits.
Measures income consistency and detects financial volatility, overdrafts, and liquidity pressure that static data misses entirely.
Flags unusual activity including irregular cash withdrawals, rapid account depletion, undisclosed liabilities, and potential document inconsistencies.
Drop-in API endpoints integrate with your existing credit decisioning systems, loan origination platforms, or KYC workflows with minimal lift.
Generate financial analysis reports in seconds, enabling real-time credit decisioning at scale without increasing your analyst headcount.
Whether you're running a consumer NBFI, a digital lending platform, or building the next generation of credit products, Tera adapts to your workflows.
Financial data is your most sensitive asset. Tera is designed from the ground up for the security requirements of regulated institutions.
All data is processed with encryption in transit and at rest. Access to financial data is strictly controlled and audited.
Role-based access and audit trails ensure only authorized personnel interact with sensitive transaction data.
Tera processes only the data required for analysis. No data is retained beyond agreed retention policies.
Designed to align with GDPR, local financial data regulations, and institutional compliance requirements.
Join the institutions already using Tera to make faster, more accurate credit decisions backed by real transaction data.