Credit Document and Bank Statement Analysis

Extracts data from bank statements and credit files, analyses cash flow and repayment capacity, and drafts credit memos.

OCR and document LLMunverified

0named models

477candidates

1deployments

1in Indonesia

Named Models

The research names no model for this use case.

Where this comes from

Models the research names for this use case. Research, with sources on each model record.

Who Runs It

production, 1

PT Bank Danamon Indonesia TbkCountry: Indonesia6Estates finance-as-a-service platform: AI bank statement analysis, fraud flags, cash flow and repayment analysis, credit memo drafting, early warning indicatorsVendor: 6EstatesproductionDate9 May 2025Phase 1 document automation: more than 70,000 pages of credit documents a month; bank statement extraction accuracy above 99 percent (company claims)Evidence: company statementConfidence: lowSource: industry.co.id

Where this comes from

Documented uses by named organisations. The evidence column says who made the claim.

Candidate Models

SEA-HELM leaderboard, 58 models, SEA average

A general benchmark for this model class, not a test on this use case. SEA average and per-language (incl. Indonesian) scores for open-weight models. Higher is better. Showing 10 of 11.

Qwen3.6-35B-A3BAlibaba (Qwen) maintainer-run73.86

Qwen3.5-35B-A3BAlibaba (Qwen) maintainer-run73.55

gemma-3-27b-itGoogle maintainer-run64.54

Gemma-SEA-LION-v4-27B-ITAI Singapore maintainer-run64.35

gpt-oss-20bOpenAI maintainer-run60.64

Llama-3.3-70B-InstructMeta maintainer-run60.44

Qwen3-8BAlibaba (Qwen) maintainer-run60.33

GLM 4.7 FlashZ.ai (Zhipu) maintainer-run53.76

Gemma-3-4B-itGoogle maintainer-run47.84

Nemotron 3 Nano 30B-A3BNVIDIA maintainer-run46.89

050100

Nemotron-SEA-LION-v4.8-120B-A12BAI Singapore, LLMReleasedSep 2026open weightsIndonesian statedhas scoreslast 18 months

Nemotron-SEA-LION-v4.8-30B-A3BAI Singapore, LLMReleasedSep 2026open weightsIndonesian statedhas scoreslast 18 months

Qwen-SEA-LION-v4.5-27B-ITAI Singapore, LLMReleasedMay 2026open weightsIndonesian statedhas scoreslast 18 months

Qwen3.6-35B-A3BAlibaba (Qwen), LLMReleasedApr 2026open weightsruns on edgehas scoreslast 18 months

Nemotron 3 SuperNVIDIA, LLMReleased2026open weightsIndonesian statedhas scoreslast 18 months

Nemotron 3.5 Lightning 30B-A3BNVIDIA, LLMReleased2026open weightsIndonesian statedhas scoreslast 18 months

gpt-oss-120bOpenAI, LLMReleasedAug 2025open weightsIndonesian statedhas scoreslast 18 months

Granite 4.2 8BIBM, LLMReleasedSep 2026open weightshas scoreslast 18 months

Hy4-previewTencent, LLMReleasedAug 2026open weightshas scoreslast 18 months

GLM-5.3Z.ai (Zhipu), LLMReleasedAug 2026open weightshas scoreslast 18 months

Showing 10 of 477. All models of this class

Where this comes from

Derived, not researched: models in the directory whose class matches a class this use case uses, excluding family records and models shut down or deprecated. Ranked by how many fit facts they meet, then by release date. Each fit fact is read from the model record.

Use Case

Industry: finance and insurance
Model classes: OCR and documentLLMunverified
Benchmarks or datasets: not in the notes
Regulatory notes: Surat Edaran Menkominfo 9/2023 Etika Kecerdasan Artifisial, Kementerian Komunikasi dan Informatika (now Kementerian Komunikasi dan Digital)Credit document and bank statement analysis is an AI-based service run by an electronic system operator, and the circular asks such operators to build and use AI on the values of inclusivity, transparency, humanity and security.
UU 27/2022 Pelindungan Data Pribadi, DPR and President of the Republic of Indonesia (administered by Kementerian Komunikasi dan Digital)Credit document and bank statement analysis processes personal and financial data of customers, which the law treats as a specific category of personal data, so the controller needs a lawful basis, must protect the data and must honour data subject rights.
Tata Kelola Kecerdasan Artifisial Perbankan Indonesia (2025 guideline), Otoritas Jasa Keuangan (OJK)Credit document and bank statement analysis is an AI use in banking, which OJK's AI governance guideline covers across the AI life cycle, including bias, explainability and cyber risk.
Panduan Kode Etik Kecerdasan Buatan yang Bertanggung Jawab dan Terpercaya di Industri Teknologi Finansial (2023), Otoritas Jasa Keuangan (OJK) with the fintech associationsCredit document and bank statement analysis is also offered by fintech providers, for whom OJK's AI code of ethics sets principles of being beneficial, fair and accountable, transparent and explainable, and robust and secure.
POJK 22/2023 Pelindungan Konsumen dan Masyarakat di Sektor Jasa Keuangan, Otoritas Jasa Keuangan (OJK)Credit document and bank statement analysis deals directly with financial consumers, so the provider's duties on fair treatment, clear information, data protection and complaint handling apply.

Where this comes from

From the industry tracks T08 to T10 of the research notes.

R&D Topics

Links to R&D topics are awaiting review.

Where this comes from

Which R&D topics would most change this use case. Drafted by Claude from the topic definitions and the use case; proposed until approved.

Opportunities

Opportunities are awaiting review.

Where this comes from

Gaps found by rule in what the directory holds for this use case. Each is a proposal for review.

Links

IndustryFinance29 use cases, 46 deployments

Use CaseCredit Document and Bank Statement AnalysisFinance

Modelsnone recorded

Who Runs It

PT Bank Danamon Indonesia TbkIn production, 9 May 2025

Graph

Deployments 1

PT Bank Danamon Indonesia Tbk6Estates finance-as-a-service platform: AI bank statement analysis, fraud flags, cash flow and repayment analysis, credit memo drafting, early warning indicators, Indonesia

Sources

industry.co.id/read/141833/jalin-mitra-strategis-danamon-mem... https://www.industry.co.id/read/141833/jalin-mitra-strategis-danamon-memanfaatkan-platform-faas-6estates-untuk-tingkatkan-pemrosesan-kredit

To cite this page: Project AURION, AI Use-Cases Research & Innovation, "Credit Document and Bank Statement Analysis", https://aurion.semai.id/usecases/fin-credit-document-analysis/, records of October 2026.