# Documents in lending

LiveTuned to the way Southeast Asia actually lends.

## Tuned to the way Southeast Asia actually lends.

Live with enterprise lenders across the Philippines and Indonesia. GCash screenshots, BDO statements, BIR forms, e-KTPs — every borrower document, parsed and verified in seconds.

- **Extraction accuracy** 98%
- **Per document** <30s
- **Document types** 50+

## Both banks and fintechs hit the same wall.

Banks choke on manual document review. Fintechs lack the intelligence to underwrite past credit scores. Both sides leave good borrowers in the queue.

### E-wallet records arrive as screenshots

GCash, Maya, OVO, GoPay. Borrowers send phone screenshots, not exports. Standard OCR mangles the layout.

### Bureaus are thin

CIC and CIBI cover a fraction of the borrower base. Most applicants need to be assessed from documents alone.

### Documents arrive on WhatsApp

Borrowers send IDs, payslips, and receipts in chat threads. Files trickle in over weeks. Funnels leak.

### Multilingual paperwork

Tagalog, Bahasa, English, sometimes mixed in the same document. Off-the-shelf models miss context.

## Three lender archetypes, calibrated to Southeast Asia.

### SME and commercial lenders

Audited financial statements, BIR Form 2303, DTI/SEC registration, payslips. Cash-flow modeling against Filipino and Indonesian SME profiles.

### Consumer fintechs and microlenders

GCash and OVO statements as alternative income proof. Real-time fraud and tampering checks at BNPL volume.

### Banks and digital banks

Calibrated to your credit policy. SOC 2 Type II and ISO 27001 in active engagement. Engagement letters available on request.

## Documents we read fluently — and the long tail we can extend.

No templates required. Our models reason through any document format visually — even handwritten, poorly scanned, or rotated.

### E-wallet statements

GCash, Maya, ShopeePay, GrabPay, OVO, GoPay, Dana

### Bank statements

BDO, BPI, Metrobank, UnionBank, Landbank (PH); BCA, Mandiri, BNI, BRI (ID)

### Government IDs & records

SSS, PhilHealth, Pag-IBIG, BIR (PH); e-KTP, NPWP, BPJS (ID)

### Employment & income

Payslips, DTI registration, SEC registration, COE

### Invoices & OR/CR

Official receipts, BIR Form 2303, supplier invoices

### Credit profiles

TransUnion PH, CIBI, CIC reports

### Utilities & address proof

Meralco, Manila Water, PLDT, Globe (PH); PLN, PDAM (ID)

Any document

Bring an unlisted format. Capture handles it on day one.

## TrustBuilt for regulated lenders

Calibrated to your security review.

Compliant with data storage rules in PH and ID. Borrower data stays in-region. Engagement letters for ISO 27001 and SOC 2 Type II available on request via support@usekita.com.

## Backed by Y Combinator. Live with enterprise lenders today.

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