The financial data layer for Southeast Asian lenders.
Kita converts bank and e-wallet documents into clean, fraud-checked lending signals your models can use instantly — with an upload SDK built for loan applications.
Backed by Y Combinator
Kita Analysis
Fraud & Data Hub
Parsed docs
2,418
+182 today
Fraud cleared
99.7%
4 flagged
Webhook latency
720ms
p95
bank_statement.pdf
OCR + fraud check
identity_card.png
OCR + fraud check
income_report.csv
OCR + fraud check
Kita capture
Upload documents
Add documents
maya_history.pdf
3.2MB
gcash_screenshot.jpg
1.4MB
BPI_statement.pdf
4.9MB
One upload SDK. Instant ingestion, OCR, structuring, and fraud checks.
Use Kita’s signals to approve more borrowers across the Philippines and Singapore.
One upload SDK
Embed a lightweight uploader or use our API; we orchestrate document ingestion end-to-end.
Instant ingestion
OCR tuned for low-resolution PDFs, screenshots, and receipts common across PH lenders.
Fraud checks
Detect template edits, metadata tampering, and identity mismatches before review queues see them.
Scale approvals
Deliver normalized JSON and risk heuristics so analysts focus on decisions—not cleanup.
The Southeast Asia challenge
In the Philippines and Singapore, borrowers submit bank PDFs, e-wallet screenshots, remittance slips, and POS exports instead of API connections. Files are unstandardized, low quality, and time-consuming to trust.
Screenshots instead of APIs
Borrowers rely on GCash, Maya, and local banks but due to the lack of banking APIs, must provide photos, scans, and PDF exports with no standard formats or machine-readable data.
User friction and processing delays
Manual review is a bottleneck. Existing processors have clunky upload flows and long processing times causing borrower drop-off, directly reducing lender revenue.
Fraud slips through
Template edits and metadata tampering hide in inconsistent statement formats. Lenders need reliable verification to stay compliant and ensure borrowers can repay.
Incomplete visibility
Open finance is nascent. Lenders relying on telco, bureau, or app-usage data miss the transaction-level activity that reflects a borrower’s real financial behavior.
Infrastructure for lenders
Kita manages the entire document ingestion flow—from borrower upload to decision-ready insights—so credit teams scale with accuracy, speed, and less fraud risk.
Structured JSON output
Consistent schema across bank, e-wallet, remittance, and POS sources.
Real-time processing
Seconds-level turnaround through webhooks, dashboard review, and audit trails.
Built-in verification
Tamper detection, metadata inspection, and identity cross-checks by default.
Input
Output
Built for the Philippines
Kita ingests the messy financial artifacts borrowers already submit—so lenders see complete cash flow across bank, e-wallet, remittance, and merchant activity.
GCash
Screenshots, PDFs, CSV exports
Maya
Wallet, SME merchant, QR Ph flows
ShopeePay / GrabPay
Receipts & payout histories
Banks
BPI, BDO, OCBC, DBS, CIMB
Remittance
Cebuana, Palawan, Western Union
Pawnshops & microfinance
MLhuillier, RD Pawnshop, Esquire
Bills & utilities
Meralco, Globe, PLDT, Maynilad
POS & merchants
Lazada, Shopee, Shopify, QR Ph
Simple workflow
Everything from ingestion to insight is automated, so teams focus on decisions—not cleanup.
Borrowers upload
Embed Kita’s SDK so applicants submit PDFs, screenshots, and exports seamlessly within your loan application flow.
OCR & parsing
Kita cleans low-quality images, runs OCR, and extracts transactions across banks, e-wallets, and POS data.
Normalization & fraud checks
We standardize fields, detect tampering, cross-check identities, and flag anomalies before analysts review.
Decision-ready output
Structured JSON, credit insights, and risk heuristics post via webhook or dashboard in seconds.
Built-in verification
Kita treats every document as untrusted until proven otherwise, giving risk teams early warning signals without adding manual checks.
Document flagged
Tampering detected
Risk score: 87%
Document verified
Authentic and valid
Confidence score: 98%
Comprehensive credit signals
Decision-ready analytics tailored to consumer, BNPL, POS, and SME lenders in Southeast Asia.
Income & inflow estimation
Model recurring salary, remittance, and merchant credits across channels to size repayment capacity.
E-wallet & QR activity
Measure GCash/Maya usage, wallet top-ups, and QR Ph payments that never appear on bank rails.
Merchant & POS performance
Identify peak sales days, refund ratios, and settlement delays for SMEs and storefronts.
Remittance behavior
Monitor transfer consistency and counterparty networks to verify alternative income.
Cash balance stability
Track median balances, volatility, and burn to understand resilience between payouts.
Risk heuristics
Blend fraud signals, expense-to-income ratios, and repayment history to prioritize queues.
Why Kita
Infrastructure purpose-built for lenders approving borrowers with alternative payment data in the Philippines and broader Southeast Asia.
PH-first accuracy
Understands GCash, Maya, pawnshop, and remittance templates so low-quality uploads still parse correctly.
Regional coverage
Built for Southeast Asian lenders expanding from the Philippines to Singapore and beyond.
Decision-ready output
Delivers normalized JSON, fraud verdicts, and heuristics instead of raw OCR text.
Risk controls baked in
Every document passes tamper, metadata, and cross-source checks before your analysts see it.
Trusted by lenders modernizing credit
Kita partners with digital lenders, banks, and fintechs across Southeast Asia to unlock alternative payment data for underwriting.
Who we serve
- - Online lenders and BNPL providers
- - Traditional banks building digital credit journeys
- - SME & POS lenders
- - Fintechs verifying income or capacity with alternative data
Why they choose Kita
- - Unlock data that API aggregators cannot access
- - Reduce fraud losses from doctored statements
- - Approve more borrowers with faster SLAs
- - Scale underwriting without scaling headcount
Ready to unlock alternative payment data?
Share your lending use case and see how Kita ingests borrower uploads, returns verified data, and accelerates approvals across the Philippines and Singapore.