View Analysis

Accessing the Analyzed Statements

There are two methods to access analyzed statements:

1. Direct Upload – If the document was uploaded directly, the system will automatically navigate you to the View Analysis page once processing is complete.
2. Email Upload – If the document was uploaded via the organization’s email, click the View Status button to open the analysis.

Analysed Statement

Once the statement is processed:

• Click the View button to access the analysis.
• The top section displays the client’s KYC details, including:
  • Name
  • Status
  • Account type
  • Statement period
  • Affordable amount

The analysis is divided into seven sections, along with a Key.

1. Summary

• Shows risk scores for the statement.
• Includes graphical representations of inflows and outflows.
• Highlights peak inflow dates, an overview, and monthly inflow/outflow graphs.
• Provides a monthly breakdown of:
  • Debits
  • Credits
  • Balance
  • Total amount and average for the statement period.
• Clicking an endpoint on the graph reveals transactions for that specific month.

2. Inflow Classification

• Represents all cash inflows into the account.
• Subcategories include:
  • Business to Business
  • Customer to Business
  • OTC Airtime Commission
  • Reversals
  • Uncategorized
• Each subcategory displays:
  • Transaction count
  • Total amount transacted
  • Highest amount transacted
  • A summary panel highlighting top transactions.
• Click the binoculars icon (circled in red) to view detailed transactions.

3. Outflow Classification

• Represents all cash outflows (expenses) from the account.
• Divided into:
  • Channel Classification – e.g., Business to Business, Customer to Business.
  • Expenses – e.g., OTC Airtime Sales, Utilities, Uncategorized.
• Each subcategory displays:
  • Transaction count
  • Total amount transacted
  • Highest amount transacted
  • A summary panel highlighting top transactions.
• Click the binoculars icon (circled in red) to view detailed transactions.

4. Monthly Classifications

• Tracks transactions by month, showing:
  • Transaction count
  • Highest transaction amount
  • Total amount
• Divided into Monthly Inflows and Monthly Outflows.
• Includes a summary panel highlighting top monthly transactions.

5. Location Classification

• Categorizes transactions based on the location where they occurred.
• Helps form an idea of the client’s possible whereabouts.
• Shows top transactions per location.

6. Transactions

Transactions are divided into Inflows and Outflows.

Inflows

• Records Customer Receipts.
• Displays:
  • Transaction count
  • Total amount transacted
  • Highest transaction amount
  • A summary panel featuring top transactions.

Outflows

• Records Customer Payments, Paybills, and Tills.
• Displays:
  • Transaction count
  • Total amount transacted
  • Highest transaction amount
  • A summary panel featuring top transactions.

7. Loans

• Tracks Safaricom loan inflows and outflows.
• Includes a summary of the total borrowed and repaid amounts.

Key

The Key section defines important terms used in the Tills and Paybill features, including:

• How scores are measured.
• The meaning of the recommended loanable amount.

SpinCrunch Report

After completing the statement analysis, the following report options are available:

• Full Report – Download the complete analysis report.
• Original File – Download the original bank report (useful when the client has forwarded the document via email).
• Original CSV – Download all transactions (money in, money out, and ledger balances) in CSV format.

  This option is enabled upon request.