Complex financial information, turned into clear, structured insights
AI-powered bank-statement analysis that categorises expenses and summarises spending — so your team spends less time reviewing transactions and more time assessing the application.
From hundreds of transactions to a clear picture of expenses.
Sentriq uses AI to analyse bank-statement transactions and categorise spending into meaningful expense groups, helping finance teams quickly understand a customer's financial position without manually reviewing every transaction.
Transactions
Raw data- 02 SepCOUNTDOWN SUPERMARKET-$184.20
- 03 SepMERCURY ENERGY-$162.00
- 04 SepZ ENERGY FUEL-$92.40
- 05 SepAA INSURANCE-$118.00
- 06 SepONE NZ MOBILE-$65.00
- 07 SepRENT — HARCOURTS PM-$620.00
- 08 SepCARD REPAYMENT-$250.00
- 09 SepTFR TO SAVINGS 02-xxxx-$500.00
- 10 SepBURGER FUEL PONSONBY-$38.50
Categories
Structured- Essential Living3
- Fixed Commitment2
- Debt Payment1
- Recurring1
- Discretionary1
- Transfer (excluded)1
A clearer view of relevant expenses.
Sentriq organises transactions into structured expense categories to help finance teams understand recurring expenses, financial commitments and other spending patterns relevant to affordability assessment.
Fixed Financial Commitments
ClassifiedDebt Payments
ClassifiedEssential Living Expenses
ClassifiedNon-Discretionary Regular or Frequently Recurring Outgoings
ClassifiedDiscretionary & Other
ClassifiedInternal transfer detected
TFR to own savings account — not treated as an expense
Don't just categorise expenses. Understand them.
Once transactions are categorised, Sentriq turns the underlying data into a clearer view of recurring expenses and financial commitments, helping finance teams spend less time manually calculating expenses and more time assessing the application.
Affordability Expense Analysis
Monthly relevant expenses
$4,720
Transactions analysed
327
Period analysed
90 days
- Essential Living Expenses$2,140
- Debt Payments$810
- Regular / Recurring$750
- Fixed Financial Commitments$620
- Discretionary & Other$400
AI Summary
Sentriq identified consistent recurring expenses across the 90-day analysis period.
Designed to support affordability assessment
Sentriq helps finance teams organise transaction data into a structured view of income and expenses, supporting a more consistent and efficient affordability assessment process.
Sentriq is a decision-support tool. The final assessment always remains with the finance professional or lender.