Automated Credit Document Processing for Lenders & Financial Teams
Doxis AI.dp automatically classifies, extracts, and validates every document in a credit application, including payslips, bank statements, IDs, tax returns, and more, with 99%+ accuracy.
If you process credit applications, you know how time-consuming it is to collect, check, and validate every document a borrower submits. Without automation, errors and delays can easily slip through, slowing your decisions and increasing risk.
❌ Without Doxis
✅ With Doxis
Document Intake & Classification
Staff manually sort incoming files from email and portals, identifying document types by eye
All document types, such as payslips, bank statements, IDs, and tax returns, are classified automatically upon receipt
Data Extraction
Analysts copy-paste data from PDFs and scans into spreadsheets or the LOS, which is slow and error-prone
Teams manually cross-check income, address, and identity data across documents, which becomes a bottleneck in every application
Configurable rules automatically cross-validate data across all documents in the credit file
Fraud Detection
Inconsistencies and document manipulation are easily missed under time and volume pressure
AI flags tampered documents, altered figures, and metadata anomalies before they reach decisioning
Turnaround & Scale
2–5 business days per file, and more applications means more headcount
Complete credit files processed in minutes and the volume can scale without adding staff
HOW IT WORKS
How Doxis Automates Credit Document Processing
Doxis AI.dp handles the full credit document workflow from multi-channel intake to validated, structured output. Every document is automatically classified, extracted, cross-checked, and delivered to your systems without manual intervention.
1
Multi-Channel Document Intake
Receive credit documents from any source via email, borrower portal, mobile upload, or direct API. All file formats accepted including PDF, JPEG, PNG and TIFF.
2
Automatic Document Classification
AI.dp instantly identifies each document type including payslips, bank statements, tax returns, proof of address and identity documents regardless of layout, language or format.
3
AI-Powered Data Extraction
Structured data is extracted with 99%+ accuracy covering income figures, employment details, account balances, transaction history, addresses and personal identifiers.
4
Cross-Document Validation
Extracted data is automatically cross-checked across the full credit file. Salary on payslips is verified against bank deposits and addresses are compared across ID and utility bills.
5
Fraud Detection and Authenticity Checks
AI powered signals detect tampered documents, inconsistent metadata, font manipulation and anomalous data patterns before they reach your credit decisioning system.
6
Structured Output and System Integration
Clean, validated data is pushed directly into your LOS, CRM or core banking system via API. Full audit trails are maintained for compliance and reporting.
Doxis combines cutting-edge AI technology with user-friendly tools to transform how credit documents are collected, extracted, validated, and structured. Doxis’ key features include:
Fast data extraction
Our AI-powered OCR processes credit documents in 0.5 to 4 seconds, regardless of file type or document complexity.
Automatic classification
Automatically classify incoming documents based on type, content and layout including payslips, bank statements, IDs, tax returns and more.
Reach 99%+ accuracy
Experience the high accuracy of Doxis’ document OCR in data extraction, ensuring every field from every credit document is captured correctly.
Mobile document scanning
Let borrowers scan and submit credit documents in real time by leveraging mobile scanning through Doxis’ OCR SDK.
Multi-language support
Doxis’ OCR supports credit documents in all Latin-alphabet languages, ensuring versatility across international applicants and markets.
150+ document types supported
Process payslips, bank statements, tax returns, proof of address, employment contracts, company financials and many more out of the box.
Detect document fraud with smart metadata analysis, copy-move detection and grayscale analysis using Doxis’ built-in AI algorithms.
Process Various Credit Documents With Ease
Doxis AI.dp captures credit documents from PDFs, emails, scans, and mobile uploads, and converts them into structured data ready for your decisioning system.
How does Doxis automate credit document processing?
Doxis AI.dp receives credit documents from any channel, automatically classifies each document type, extracts structured data using AI-powered OCR, and cross-validates the data across the full credit file. The processed output is delivered directly to your loan origination system or CRM without manual intervention.
Which credit documents can Doxis process?
Doxis supports all key documents in a credit application including bank statements, payslips, passports, ID cards, tax statements, 1003 forms, proof of employment, proof of residence, driving licenses, and P&L statements. Over 150 document types are supported out of the box.
How does Doxis detect fraudulent credit documents?
Doxis’ AI analyses each document for signs of document fraud including altered income figures, font inconsistencies, metadata anomalies, and copy-move artifacts. Suspicious documents are flagged before they reach your credit decisioning system, reducing the risk of first-party fraud.
Can Doxis validate data across multiple documents in one application?
Yes. Doxis automatically cross-checks extracted data across all documents in a credit file. Salary figures on payslips are verified against bank deposits, addresses are compared across identity documents and utility bills, and employment details are matched against employer statements.
How long does implementation take?
Most credit document processing workflows can be live within a few days to two weeks, depending on document volume, formats, and the systems you need to integrate with. Doxis’ no-code Flow Builder allows you to configure and adjust workflows without developer support.
How accurate is data extraction from credit documents?
Doxis achieves 99%+ extraction accuracy across all supported credit document types, including poor quality scans and handwritten fields. For edge cases, the Human-in-the-Loop feature routes low-confidence extractions to a human reviewer before output is delivered.
Yes. Borrowers can submit credit documents in real time using Doxis’ mobile scanning SDK. The SDK captures, crops, and enhances document images automatically before sending them into the processing pipeline, reducing submission errors and improving data quality.
Can our credit team still review documents manually?
Yes. Doxis’ Human-in-the-Loop feature allows your team to review flagged documents and low-confidence extractions before they are passed to your decisioning system. You stay in control of exceptions while automation handles the routine processing.
Which systems can Doxis integrate with for credit processing?
Doxis integrates with loan origination systems, core banking platforms, CRMs, and document management systems through a REST API and webhooks. Pre-built connectors are available for platforms including Salesforce, SAP, Microsoft Dynamics, and Temenos. Custom integrations are also supported.
Can we test Doxis before committing?
Yes. You can book a personalised demo to see how Doxis processes real credit documents and validates application data. You can also sign up to try the AI.dp platform directly using your own documents before making any commitment.
Automate your credit document processing workflows with ease
A live demo shows how Doxis uses AI to extract, validate, and check credit documents for fraud in seconds.