Moneta
Moneta provides an AI-driven underwriting agent that automates credit assessment for Indonesian banks and lending companies. The platform analyzes bank statements to detect fraud, reconstructs cashflow, and generates audit-ready decision packs with reason codes and transaction-level evidence. Pricing starts at Rp 15,000 for the Fraud Shield bundle, with add-ons for financial statement validation, collateral scoring, and market benchmarking.
- Financial Technology
- Artificial Intelligence
- AI Agents
- Data & Analytics
- Software Only
- Regulatory & Compliance Technology
Funding
Funding not disclosed
Founders
Founder details are not available yet.
Product
Problem
Traditional underwriting in banking and financial services relies on manual document review, which is time-consuming, prone to human error, and often misses subtle signs of fraud or financial manipulation. Loan officers struggle to consistently assess borrower creditworthiness across large volumes of applications, leading to delayed decisions and increased default risk.
Solution
Moneta provides an AI-driven underwriting agent that automates the entire credit assessment workflow in three steps: bundle selection, document upload, and decision pack generation. The platform analyzes bank statements and credit history to detect fraud and window-dressing evidence, reconstructs cashflow, and calculates affordability metrics such as DSCR and DBR. It returns audit-ready decision packs with reason codes, transaction-level evidence, and customizable XLS outputs, enabling faster and more consistent lending decisions. Optional add-ons extend analysis to financial statement validation, collateral scoring, and market benchmarking for deeper risk assessment.
Target Audience
Primary customers are banks, financial services institutions, and lending companies in Indonesia that need faster, more accurate, and auditable underwriting processes for borrower credit assessment.
Features
- Fraud Shield bundle detects manipulation and window-dressing in bank statements, starting at Rp 15,000 for one account with up to 6 monthly statements
- Underwriting Engine bundle performs cashflow reconstruction and affordability analysis (DSCR/DBR) across up to 4 bank accounts and 12 monthly statements per account
- Decision packs include approve, reject, or conditional recommendations with reason codes and transaction-level evidence
- Add-on modules for Financial Statements Intelligence (+Rp 60,000), Collateral Intelligence (+Rp 40,000), and Market Intelligence (+Rp 20,000) per borrower provide deeper risk analysis
- Data processed and stored within Indonesia, with raw files deleted within 24 hours and RBAC-based access controls with audit logging
- Structured output and customizable XLS exports enable seamless integration into existing workflows