Slow turnaround
3–7 days for personal loans; up to 3 months for business loans, while applicants wait and competitors move faster.
Financial Intelligence
Transform days of manual review into minutes of actionable intelligence.
Automate creditworthiness assessments, slash processing times, and reduce loan defaults with AI-powered financial analysis tailored for the Kenyan market.
No obligation — see the platform in action with your own data
Statement scan
Salary — Acme Logistics Ltd+ KES 85,000
Rent payment− KES 25,000
M-Pesa transfer in+ KES 12,400
Utility bill (KPLC)− KES 3,200
Risk score
14/100
Low riskAnalysis complete in 38 seconds
The challenge
The Modern Lending Challenge
Traditional banks are struggling to keep pace in a digital-first economy. Manual document review is slow, prone to human error, and fails to capture the full picture of creditworthiness for 60% of Kenyans with informal income.
Hidden risks
Manual reviews often miss subtle fraud indicators and behavioural red flags buried across dozens of statement pages.
Compliance pressure
Meeting Central Bank of Kenya (CBK) risk-based lending mandates requires granular, defensible data — not analyst judgment calls.
The solution
Financial Intelligence, Automated
Sanctum Key transforms raw bank statements into clear, data-driven risk profiles — bridging the gap between traditional banking and the agility of digital lenders.
Universal document support
Processes scanned PDFs, ePDFs, screenshots, and mobile money statements (M-Pesa, Airtel Money) simultaneously — whatever format borrowers actually have.
Advanced fraud detection
Instantly flags tampered documents, duplicate transactions, and suspicious behavioural patterns before they reach an underwriter.
Deep financial analysis
Automatically categorizes expenses, calculates free cash flow, and detects income from side hustles that traditional reviews miss entirely.
Explainable AI
Gain full transparency into how every risk score is calculated — essential for CBK compliance and internal audit sign-off.
Business benefits
What changes for your lending desk.
The measurable outcomes our lending partners see after switching from manual review.
Reduce non-performing loans
Identify high-risk borrowers before approval with precise, document-backed income verification.
Slash operational costs
Increase analyst productivity by automating the data compilation that used to take hours per file.
Unlock underserved markets
Confidently lend to SMEs and informal workers by analyzing alternative data like mobile money activity.
Regulatory confidence
Provide an audit-ready trail for every lending decision, on demand, with no extra paperwork.
How we partner with you
More than a tool — a partner in your growth.
Our technology is built for the local context: trained on Kenyan bank data, tuned for M-Pesa and Airtel Money statements, and secured with enterprise-grade encryption from day one.
Audit-ready trailsCBK-aligned scoringKenyan-trained models