PointPal™ – Transaction Pattern Insights

Identify Transaction Patterns That May Indicate Ongoing Financial Commitments

PointPal analyzes bank transaction data to surface recurring or high-risk payment patterns that may warrant further lender review, including:

• Buy Now, Pay Later Activity
  Transactions associated with installment-style payment providers such as Affirm, Afterpay, Klarna, and Sezzle.
• Non-Traditional Auto-Related Payments
  Recurring vehicle-related payments that may not appear on standard credit reports.
• Short-Term Liquidity Events
  Patterns consistent with overdraft transfers, short-term advances, or similar cash-flow activity.
• Government or Court-Related Payments
  Transactions that may reflect tax-related or legally mandated payment activity.

PointPal does not determine creditworthiness or produce a consumer credit report. All insights are provided for lender consideration and verification.

Income Activity Overview

PointPal analyzes consumer-permissioned bank transaction data to surface recurring deposit activity that may be relevant to income review, helping underwriters quickly understand observed cash-flow patterns, including:

• Employment-Related Deposits
  Recurring direct deposits commonly associated with payroll from employers.
• Government Benefit Deposits
  Deposits consistent with Social Security or similar benefit programs.
• Retirement and Pension Distributions
  Recurring deposits associated with pension or retirement income sources.
• Disability-Related Deposits
  Deposits that may reflect disability benefit payments.
• Support-Related Deposits
  Deposits that may be associated with child support or guardian-related payments.
• Alimony-Related Deposits
  Recurring deposits that may indicate alimony payments.

All income signals are provided for lender review and borrower verification and do not constitute income determination or certification.

Reduce Manual Review Time

PointPal organizes and highlights relevant transaction activity, helping underwriters spend less time manually scanning line items and more time focused on review and validation, resulting in:

• Faster access to relevant transaction patterns
• Reduced time spent locating potentially relevant activity
• More efficient review workflows and follow-up

1. Retrieve Bank Statements

PointServ gathers authenticated bank statement data from verified financial institutions through secure, integrated connections.

2. AI Transaction Analysis

PointPal scans all transactions for patterns and merchant names linked to liabilities or income.

3. One-Page Underwriter Summary

Delivered as a clean, easy-to-review page with categorized findings.

Private, Isolated AI Model

Every customer receives their own dedicated AI model instance—never shared, never mixed, and never used to train any other model. Your data remains fully contained within your secured environment, with strict isolation and no external exposure.

100% Customizable

PointPal can be trained to your organization’s exact requirements. Lenders can define new alerts, custom detection rules, and institution-specific logic—ensuring the model reflects your underwriting policy, risk tolerances, and evolving credit guidelines.

No External Data Usage

PointPal processes all data inside your secured PointServ environment, and every AI detection is fully traceable to the original transaction for complete auditability.

Operational Efficiency

• Reduced manual review time for bank statement analysis
• Clearer organization of transaction data within the file
• Increased team efficiency without adding headcount

Risk & Quality Support

• Consistent surfacing of transaction patterns for lender review
• Improved audit trails and quality control documentation
• Automated organization of recurring payment and deposit activity

User Experience

• No new systems or complex training required
• Fits seamlessly into existing workflows
• Designed for immediate underwriter familiarity