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Kenal

Kenal Document

Read any bank statement in seconds, and catch the ones that were edited.

Upload a Malaysian bank statement and get back every transaction, structured and reconciled to the cent, with income, flows and an integrity verdict. No per-bank templates and no keying in by hand.

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Kenal Document results showing a statement parsed into transactions, with account balances, a detected monthly salary and a six-month inflow and outflow chart

What Kenal Document is

Kenal Document is a bank statement reader that turns any Malaysian bank statement into verified, structured transactions in seconds, without per-bank templates, and flags tampering and PDF-integrity problems.

Built for lenders, banks and credit bureaus wherever a customer's bank statement feeds a decision: loan applications, affordability checks and credit files. Your analysts stop retyping statements and start with numbers they can trust.

Key facts

from PDF upload to structured, reconciled transactions
Seconds
any Malaysian bank's statement, conventional or Islamic
No templates
every row reconciled with the running balance and printed totals
To the cent

How it works

Four steps from a PDF to a decision you can defend.

  1. Upload the statement

    Drop in a PDF through the console or send it over the API. Kenal Document identifies the issuing bank from the document itself, so nobody picks a template.
    Kenal Document upload screen with a bank statement PDF ready to check and a list of recent checks marked Pass

  2. Get structured, reconciled transactions

    Every row is extracted and checked against the running balance and the printed totals. Salary, recurring income and monthly inflows and outflows are detected for you.
    Detail of Kenal Document results: detected monthly salary of RM 6,850 from the same employer for six months, a six-month inflow and outflow chart, and average monthly inflow, outflow and lowest balance

  3. See whether the PDF was edited

    The file is compared with a genuine reference from the same bank. Changed amounts, altered metadata and text laid over scanned images are flagged with the evidence highlighted on the page.
    Kenal Document flagging a tampered bank statement, with edited credit and balance fields highlighted and a PDF metadata finding showing the file was changed after issue

  4. Understand income and flows

    Combine several statements, even from different banks, into one view of a person: who pays them, whom they pay, and the net flow month by month.
    Kenal Document counterparty view listing who money comes from and goes to over six months, with inflow, outflow and net flow totals

What you get

For every statement you submit:

  • A verified transaction list

    Date, description, amount and balance for every row, reconciled to the statement's own totals.

  • An integrity verdict

    Pass, review or fail, with the specific findings that led to it and where they sit on the page.

  • Income and flows

    Detected salary and regular income, monthly inflows and outflows, lowest balance and returned items.

  • Labelled transactions

    Each row tagged with its channel, payment rail and counterparty, ready for Kenal Transaction.

  • One view per person

    Accounts from several banks grouped under one customer, so affordability is judged on the whole picture.

  • An audit trail

    Every check and result recorded, so you can show how a decision was reached.

What it checks

Reading

  • Text PDFs and scanned statements
  • Issuing bank identified from the document
  • English, Bahasa Malaysia and Chinese headings
  • Multi-page and multi-month statements

Integrity

  • Comparison with a genuine reference for that bank
  • PDF metadata, structure, fonts and images
  • Text laid over scanned images
  • Row, running-balance and printed-total reconciliation

Insight

  • Salary and regular income detection
  • Monthly inflows and outflows
  • Counterparties and payment rails
  • One person across several banks

Your controls

  • Review queue for flagged statements
  • Onboard a new bank's format by API
  • Role-based users and scoped API keys
  • Data inventory and purge endpoints

How it fits your stack

Start in the console on day one, then connect your loan origination or credit system when you are ready.

  • REST API with an OpenAPI specification, idempotency keys and versioning.
  • Signed webhooks for results on large or queued batches.
  • Web console for analysts to upload, review and resolve flags.
  • Deploy your way: SaaS, in your cloud or on-premise.

Compliance and security

Statements are among the most sensitive documents a customer shares. Kenal Document is built to hold as little as possible.

How we secure Kenal

  • No source PDF is retained in production; you keep the structured result your process needs.
  • Inventory and purge endpoints, with a purge-only key, support your retention and PDPA obligations.
  • Scoped API keys that expire, signed webhooks and a full audit trail of every check.
  • Deploy as SaaS, in your cloud or on-premise, with each instance isolated to your organisation.

Questions buyers ask

Which Malaysian banks does Kenal Document support?

Kenal Document reads statements from Malaysian banks, conventional and Islamic, without per-bank templates. It works out which bank issued the statement from the document itself, using the masthead, registration line and layout, so a new format does not need a new template or a development project. Text PDFs and scanned statements are both handled, and English, Bahasa Malaysia and Chinese column headings are recognised.

How does Kenal Document detect a tampered bank statement?

Kenal Document compares each PDF with a genuine reference from the same bank and checks that the numbers add up. It examines the file's metadata, structure, fonts, images and layout, and flags a file that was edited after issue or a text layer laid over a scanned image. Separately, every row must reconcile with the running balance and the printed totals, so altered amounts stand out.

How accurate is the extracted transaction data?

Every extraction is checked against the statement's own arithmetic before it is released. The rows must reconcile with the running balance and sum exactly to the printed total debits and credits, to the cent. When a statement does not reconcile, Kenal Document marks it for review instead of passing it on silently, so your team works from numbers it can audit rather than an unchecked OCR dump.

What does Kenal Document return for each statement?

Kenal Document returns the account holder, account and period, a structured transaction list and a verdict on integrity. Each transaction is labelled with its channel, payment rail and counterparty. You also get detected income, monthly inflows and outflows, and the counterparties money comes from and goes to, which can be combined across several statements and banks for one person.

How do we integrate Kenal Document with our loan system?

Integrate through a REST API with an OpenAPI specification, or use the web console for manual checks. Submit a PDF and receive the result synchronously, or receive it by signed webhook for larger batches. The API supports idempotency keys, scoped keys and versioning, and ships with sample code, so your developers can connect a loan origination system quickly.

Do you keep the bank statement PDFs we submit?

No, production deployments do not retain the source PDF. Kenal Document keeps the structured result your process needs and provides endpoints to list and purge stored data, with a dedicated key for purging. You can deploy it as SaaS, in your own cloud or on-premise, so statements stay within the boundary your policies require.

Used with

Kenal Document is often the first step in a lending decision.

See Kenal Document on your statements

Bring a few sample statements and we will show you the structured result and the integrity checks live.

Talk to our teamhello@kenal.io