Turn documents into signals for lenders
Kita is a document intelligence platform for lenders in emerging markets, turning messy borrower documents into fraud-checked, decision-ready risk signals.
Kita Capture reads messy financial documents (bank statements, payslips, tax filings, handwritten records, photos at angles) in local formats across Southeast Asia, Latin America, and US markets. Extracts structured data with fraud detection in seconds, eliminating hours of manual re-keying and cross-checking that analysts currently perform line-by-line.
AI Underwriter reads complete borrower files, checks for fraud and tampering, models cash flow against credit policy thresholds, and drafts credit memos with every claim cited to source document line numbers. Credit officers review, override, or sign the memo in minutes instead of hours, with full audit trail intact.
Kita Capture performs document-level fraud detection across forgery, tampering, and impersonation using vision-language models. Cross-document verification catches inconsistencies between statements, IDs, and tax filings that single-document checks miss, flagging high-risk files before underwriter review.
AI Credit Officer engages borrowers on WhatsApp, SMS, email, and web in their language (Tagalog, Bahasa, Spanish, English, +12 more). Automatically requests missing documents, verifies completeness, and hands off 100%-complete files to underwriting, eliminating days of back-and-forth communication.
Kita reads non-standard documents (e-wallet screenshots like GCash and OVO, local tax filings, utility bills, business registrations) that traditional OCR and bureau-dependent systems cannot process. Enables CDFIs and community lenders to assess creditworthiness of borrowers locked out by incomplete bureau data.