Bring document forensics, identity verification and AI workflows into onboarding and financial-document review. Assess the evidence behind an application and automate the work needed to collect it.
Where this stands: Document examination, identity verification and document collection are available to banks today.
Sample applicationHalden Joinery Ltd
- April statement: balance editedFont and layer mismatch
- March statement: no edits found
- Accounts: consistent
Every application rests on documents the bank did not create.
Opening an account, approving a loan or onboarding a merchant depends on evidence supplied by the applicant: identity documents, bank statements, payslips, tax returns, certificates of incorporation, proof of address. Each one is a point where an altered figure or a fabricated record can enter.
Generative tools have made convincing statements and payslips cheap to produce, and synthetic identities combine real and invented details. Review teams are asked to move faster while the documents in front of them become harder to trust.
What banking teams answer to
Know your customer and anti-money laundering
Onboarding obligations require evidence about customers and businesses that holds up when an auditor or supervisor asks how a decision was made.
High-risk AI in lending
The EU AI Act classes AI used to assess the creditworthiness of individuals as high-risk, which raises the bar for documentation, oversight and explainable findings.
Impersonation at a distance
Deepfake video and cloned voices are used to impersonate customers and executives in the calls where payments and changes are approved.
Where AI does the work
Uses available products
Loan and mortgage document review
Bank statements, payslips, tax returns and collateral documents are examined for tampering and fabrication before an underwriter relies on them.
Uses available products
Identity verification at onboarding
Document and biometric identity checks confirm the applicant is the person on the document and is present, through ZOREAL's enterprise identity verification.
Uses available products
Merchant and business onboarding
Certificates of incorporation, business licences, tax documents and bank letters are collected and examined as part of know-your-business review.
Uses available products
Automated document collection
Agents request missing documents, follow up and identify each file as it arrives, so an application is complete before review begins.
Application direction
Verified calls for high-risk requests
ZOREAL Meet lets a customer or colleague prove they are a verified, live person before a payment instruction or account change is accepted.
A small-business loan, end to end
One example of how the pieces fit. Each step can run on its own or route to a person, depending on your policy.
The applicant is asked for identity documents, twelve months of bank statements and the latest accounts. Missing items are chased automatically.
The directors' identity documents are checked and matched to a live capture.
Statements and accounts are examined for edits, reused templates and inconsistencies in structure, fonts and metadata.
Agentic fraud reasoning weighs the findings. A clean file goes to underwriting; a suspicious one goes to the fraud team with the reasons.
The underwriter decides on evidence that has already been checked, and the findings stay on file for review.
In
- Bank statement, March
- Bank statement, April
- Annual accounts
Out
- April statement: balance editedFont and layer mismatch
- March statement: no edits found
- Accounts: consistent
What is involved
ZOREAL
Enterprise identity verification and verified meetings.View productDocument fraud detection
Forensic examination of financial documents.Learn moreZOREAL Verify
PDF and document image forensics.View productAI document collection
Requests and follow-up for application documents.Learn moreDecisionNode
Decisions that route each case to its next step.View product
Questions from banking teams
Which documents can you examine?
The documents lending and onboarding depend on, including bank statements, payslips, tax returns, invoices, company records and identity documents, as PDFs or images.
Does this make the credit decision?
No. It examines the evidence and routes cases. The credit decision stays with your underwriters and your models, with the findings available to support it.
How does this relate to ZOREAL?
Bynn's enterprise identity verification is moving to ZOREAL Verify. A banking engagement can use it alongside Bynn's document forensics and workflow automation.
Other industries
All industries
Talk to Bynn about your onboarding and lending.
Bring the documents your teams struggle to trust. We will show you how they can be collected and examined.