Case Study: Kapitus automates loan underwriting with Ocrolus

Kapitus processes 400,000 statement pages per month with Ocrolus

Kapitus, a leading fintech lender, faced a challenge with its highly manual and error-prone loan underwriting process. This operation was inefficient, costly, and not scalable, often leading to backlogs and missed opportunities. To overcome this, Kapitus partnered with vendor Ocrolus and its AI-powered document analysis platform.

The solution implemented by Ocrolus used AI-based computer vision and human-in-the-loop validation to extract and analyze data from bank statements. This automation eliminated manual data entry and provided over 30 credit model inputs that were fed directly into Kapitus' system. As a result, Kapitus now processes 400,000 bank statement pages monthly and can make over 90% of its loan decisions within 30 minutes, enabling smarter, faster, and data-driven underwriting.

Kapitus