AI-driven statement analysis for instant financial clarity
Apenia's StatementAI+ transforms complex bank and M-Pesa statements into actionable insights with AI-powered accuracy — so you can make informed decisions effortlessly.
Every statement, scored in seconds
Upload an M-Pesa or bank statement and Apenia reads the cash flow, weighs the risk and returns a clear score with a risk band — the same engine behind our own lending decisions.
- Income, spend & cash-flow analysis
- Score with an explainable risk band
- Full breakdown behind every number
Every document, scored and searchable
Run an analysis, see the risk band at a glance and open any statement for the full breakdown.
Statement analysis
Documents you've scored with Apenia. Open one for the full breakdown.
| Name | Phone | Type | Score | Charged | When | |
|---|---|---|---|---|---|---|
— MPESA_Statement_2026-07-08_to_2026-10-08_2547xxxxxx370.pdf | — | score | 730 · Minor | Free | 55d ago | View |
— MPESA_Statement_2026-06-08_to_2026-09-08_2547xxxxxx512.pdf | — | score | 730 · Minor | Free | 60d ago | View |
— MPESA_Statement_2026-05-08_to_2026-08-08_2547xxxxxx048.pdf | — | score | 730 · Minor | — | 62d ago | View |
— MPESA_Statement_2026-04-08_to_2026-07-08_2547xxxxxx193.pdf | — | score | 730 · Minor | — | 72d ago | View |
— mpesa_statement (11).pdf | — | score | 451 · Severe | — | 76d ago | View |
— bank_statement (2).pdf | — | score | 198 · Catastrophic | — | 80d ago | View |
Everything you need to read the numbers
A complete analysis engine that turns raw statements into decisions.
Real-time AI analysis
AI-powered statement analysis with 95% accuracy, processing your financial data instantly.
Fraud detection
Instant anomaly detection and fraud alerts through intelligent scans and pattern recognition.
Visual insights
Interactive summaries, heatmaps, and predictive trend analyses for clearer understanding.
Custom reports
Customizable AI-driven reports tailored to your business KPIs and financial objectives.
From statement to insight in three steps
Upload a statement
Drop in an M-Pesa or bank statement PDF — protected files are supported too.
AI does the work
Our models parse, categorise, and score every transaction in seconds.
Get your report
A clear, lender-ready creditworthiness report lands straight in your inbox.
StatementAI+ streamlined our reconciliation, reduced human error, and gave us predictive insights that improved our cash-flow decisions.
Key benefits
Transform your financial data management with intelligent automation.
95% accuracy
Industry-leading accuracy in statement analysis and data extraction.
Instant processing
Real-time analysis of bank and M-Pesa statements within seconds.
Fraud prevention
Advanced anomaly detection to protect against financial fraud.
Predictive analytics
AI-powered insights to forecast cash flow and spending patterns.
Custom dashboards
Personalised reporting tailored to your specific business needs.
Seamless integration
Easy integration with existing financial systems and workflows.
Ready to discover AI-powered statement insights?
Try StatementAI+ now, or embed it on your own site in two lines of code.