Product
Hola Credit converts borrower-authorised bank statements into structured cash-flow evidence and an explainable assessment that supports, but never replaces, formal bureau checks and human lending decisions.
Before any processing begins, the applicant explicitly authorises the organisation to use their bank statement for a defined credit assessment. The consent artefact records purpose, data categories, organisation, retention scope, expiry and the actor who captured it. No preselected consent is permitted and withdrawal is recorded without rewriting history.
A loan officer submits a supported PDF or image through the secure portal. The system validates the file type, size, and integrity on the server side. Client-side hints are convenience only. Upload progress is visible and cancellation is safe. Statements are never previewed by default in open office environments.
The system identifies transactions, normalises amounts and dates, and categorises cash flow using AI-assisted extraction. Every transaction retains source-page provenance and a confidence score. Categories follow an approved enum, not free-form model labels. Low-confidence or uncertain data is flagged for human review.
Deterministic, versioned code calculates the cash-flow assessment. The scoring engine considers income floor, consistency, volatility, concentration, trend, and negative-balance signals. The policy version, extraction model version, and all inputs are recorded immutably. The score never changes unless the inputs or policy change.
The lender sees income floor, consistency, volatility, red flags, categorised income evidence, uncertain transactions, scoring-policy and extraction-model versions, and a plain-language explanation. Human notes and the final lending decision are clearly owned by the lender, not by Hola Credit.
Hola Credit is designed to work with statements from Namibian banks. The initial launch supports the following institutions, with format validation and extraction accuracy measured separately for each.
FNB Namibia
Bank Windhoek
Standard Bank Namibia
Nedbank Namibia