Skip to main content
The Query Layer

Question a borrower's bank data. Receive structured answers with the full calculation trace.

Finarkein operates within India's RBI AA framework, turning consent-gated financial data into auditable answers for credit analysts.

The Interface

A query console for credit analysts

Ask in plain language. See data sources and calculations in the answer. No dashboard setup or SQL.

Finarkein Query Console
# Previous queries
Q: "Is income consistent over last 12 months?"
A: Yes. CV 8.2% across 12 salary credits.
# Current query
Q: "What is the EMI-to-income ratio and does it stay within policy threshold?"
Answer: 28.4% EMI-to-income ratio. Within 40% policy threshold.
# Reasoning
avg_income_credits: Rs 71,400 / mo (12 salary entries)
avg_emi_debits: Rs 20,300 / mo (NACH + standing orders)
ratio: 28.4% (20,300 / 71,400)
policy_threshold: 40% (NBFC internal policy)
Sources: 247 transactions, consent granted 2026-04-15, data window: 365 days

Every answer traces the transactions used

Finarkein returns more than a number. It identifies the transactions used, the months averaged, and how the calculation aligns with your policy threshold.

This reasoning chain makes answers auditable. Your credit committee can verify decisions without asking the analyst to repeat the analysis.

Plain questions
Structured output
Cited transactions
Policy limit checks
Transparent Reasoning

The work is the product

Most data tools provide a score. Finarkein exposes the work. Each answer breaks down the data points used, their aggregation, and the boundary thresholds.

This helps your credit committee explain decisions to borrowers, regulators, and internal audit. Answers with workings support decisions you can defend. Unsupported scores create liability.

  • Income credit detection and averaging method
  • EMI debit categorization (NACH, standing orders, UPI recurring)
  • Bounce detection and frequency count
  • Balance trend and liquidity assessment
  • Compare thresholds with configurable policy limits
AA Framework

Within India's AA framework

As an FIU, Finarkein connects to RBI-regulated AA infrastructure, receiving consent-gated data from every major bank FIP.

FIP (Bank / NBFC) Data custodian Account Aggregator RBI-regulated FIU (Lender) Your system Consent token Finarkein Query Layer (FIU application) Analyst Query Console Answer + reasoning trace returned to analyst
Consent at each step

Finarkein accesses data only with an active borrower consent artifact and checks consent status before each query runs.

Ephemeral handling

Raw transaction data is not saved to persistent storage. Processing stays in-memory; only the query answer remains in your audit log.

Multi-bank FIP coverage

Finarkein connects to major bank FIPs registered under AA, covering most formal banking account holders in India.

See it on real credit questions?

Book a session to watch Finarkein answer a live analyst query with visible workings.

Book a Demo How It Works