Faster credit decisions. Safer. Smarter.

Automatic balance sheet reading, configurable scoring, and structured report in minutes.

EBIX AI Credit Analysis

The Evolution of Business Credit Analysis

Ebix AI Credit Analysis was born from the convergence of advanced technology, in-depth knowledge of the financial and insurance markets, and a structured understanding of corporate risk.

In an environment where credit decisions directly impact solvency, competitiveness, and governance, financial analysis has ceased to be an operational step and has become a strategic core of the organization.

The platform was designed to transform how institutions interpret financial statements, consolidate indicators, and structure technical reports.

Through artificial intelligence applied with defined criteria and rigorous governance, the solution performs automated reading of balance sheets and income statements, organizes unstructured data, consolidates multi-year information, and generates a customizable financial score—always aligned with the institution’s own risk policy.

More than accelerating processes, Ebix AI Credit Analysis promotes:

  • analytical standardization
  • decisional traceability
  • reduction of subjectivity
  • methodological consistency
  • strengthening of compliance

Each decision is now supported by clear, configurable, and auditable criteria.

Artificial intelligence acts as a precision tool.
Credit policy remains under the organization’s strategic control.

By structuring financial analysis with speed, depth, and governance, Ebix repositions business credit as a competitive advantage asset.

Transform your credit analysis with AI

Gain speed, accuracy, and scale with Ebix’s intelligent solution.

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    Solution Benefits

    • Drastic reduction in analysis time: from hours to less than 2 minutes
    • Automation of repetitive operational processes, freeing your team for strategic tasks
    • Increased reliability and standardization of financial analysis
    • Governance and centralized history of credit decisions
    • Scalability gains with greater agility and lower operational costs
    • Customizable analyses based on risk profile, sector, and company size
    • Seamless integration with CRMs, ERPs, and internal systems via API
    • Report on extraction with client-defined templates

    Technical Advantages and Platform Differentiators

    • Proprietary advanced OCR (beyond common AI tools in the market): reads PDFs, images, and unstructured files with extremely high accuracy, even in tables and complex texts.
    • Configurable financial scoring: analysis based on up to 5 key pillars (liquidity, profitability, capital structure, growth, and efficiency), with adjustments possible according to internal rules and credit profiles.
    • Automated executive reports: generation of insights and technical opinions as if written by a human analyst, including both numerical data and textual concepts from explanatory notes, for example.
    • User-friendly interface and dashboards with views by client, sector, or corporate group.
    • Proprietary technology, ensuring data security, scalability, and privacy.
    • Constantly evolving module, ready to be customized according to your company’s journey.

    Key Features

    • Automated reading of financial documents: PDF, Excel, images, and more
    • Smart data extraction and financial indicator calculations
    • Real-time risk scoring and classification
    • Customizable rules by sector, company size, or credit policy, aligned with your organization’s criteria
    • Automatic generation of technical opinions and reports
    • Dashboard with analytical view and full history of assessments
    • Seamless API integration with internal systems (CRMs, ERPs, insurance platforms)

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