Poket AI
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An AI credit analyst that shows its working.

Reads the statements, classifies BNM CCPT and drafts the memo. A person signs every case.

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What it does

AI Credit Analyst, at a glance.

01

3 years of statements, with evidence

02

BNM CCPT: 106 activity codes

03

Explainable score

04

Frozen, audited sign-off

Built in the Bank Rakyat Fintech Accelerator Programme.

Inside the analyst

The engine computes. AI drafts. A person signs.

Real CCPT engine

BNM CCPT, computed

C1C2C3C4C5aC5b

55

mitigation activities

51

adaptation activities

Up to 5 facilities per request. The most severe class wins.

  • All four BNM principles
  • Rules, not a guess
Explainable score

A score you can audit

Start at 50

Illustrative
  • Debt service+12
  • CCPT class+8
  • Gearing-6
  • ESDD gaps-9

55 · Support with conditions

  • Every driver shown, in points
  • Hard stops are explicit
Read with evidence

Figures with proof

Statement FY2024

Sample
RevenueRM 1.82MHigh
Net profitRM 0.21MMedium
StockNot foundLeft empty
  • Missing figures never guessed
  • Cross-checks catch bad reads

Virtual site visit

GPS and timestamp captured at submission. Officers verify the business without a branch trip.

Frozen, audited sign-off

Signed cases are frozen and later edits are refused. Overriding a recommendation needs a written reason, and every step lands in an append-only audit trail.

Runs on the Poket AI Engine

Same engine. Same safeguards.

Engine routesAI Credit AnalystShariah checkOfficer signsAnswer

Available in the free sandbox as

credit_scoring.score
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