AI-Led Financial Spreading

A global multinational banking and financial services company headquartered at Netherlands with large rural and agricultural banking operations in Australia and New Zealand.

Client Objectives

Drive efficiency and accuracy through scalable, integrated, and automated financial spreading
Improve decisioning experience with faster, end-to-end digital loan origination workflows
Ensure operational effectiveness through stronger cost control, audit readiness, and global scalability

Solution Implemented

AI Next-powered, web-based solution to automate the extraction and analysis of financial statements—Balance Sheet, Assets & Liabilities, and Cash Flow—to enable faster and more accurate creditworthiness assessment
The solution is hosted on Infosys-subscribed AWS and integrated with core client systems—FSDB, Apigee, BizTalk, MS Entra, and Cloudflare—enabling secure and resilient data flow
It leverages enterprise architecture with the bank’s SSO, AI Next Doc AI, Harness pipeline and scheduling, and Web (Engage) based workflows

Business Outcomes & Impact

Customers credit analyzed / month

Faster credit assessment with seamless system integration and 10-year historical analysis

Accuracy in extraction and categorization of financial data

High-accuracy extraction and classification using AI Next Doc AI and Azure AD

reduction in processing time

Improved efficiency of financial spreading

Mitigated Tech Risk with AI-Ready Platform

Replaced legacy financial spreading tools with an AI Next web application

users deployed

Deployed across Australia and New Zealand, processing 13K documents per month

The new Financial Spreading tool not only ensures business continuity as the legacy system sunsets but also introduces stronger risk controls and a scalable foundation for the future

Head of Engineering and Technology,

Rabo Bank