LUMI automatically extracts data from a document package, structures it, checks it for errors, and generates ready-to-use analytics for credit decision-making.
— an AI expert for analyzing
LUMI — an AI expert for analyzing SME financial documents
— an AI expert
SME financial documents
for analyzing SME financial documents
From 120 documents → to a completed analysis in 6 minutes
10–30 days of manual work → 10–20 minutes
Eng
Brings clarity to data. Speeds up decision-making.
LUMI — Financial AI Enabled Analysis Platform
LUMI Data Engine
OCR and intelligent extraction
scan quality verification
classification and routing
data sanitation, including elimination of intercompany turnover, and duplicates
data preparation for consolidation
matching of documents and accounting reporting periods
AI-powered data processing module:
LUMI Decision Maker
scoring matrices and bank rules
indicators, thresholds, and risk triggers
risk classification (red / yellow / green zones)
assessment of factor impact on overall risk
consolidated scoring result and risk class
interpretation of results and analytical summary
decision recommendations in the bank’s unified standard
integration with the bank’s internal risk models PD / LGD (optional)
AI module for risk assessment and decision-making
LUMI Financial Analyzer
financial consolidation for a corporate group
automatic calculation of financial indicators
logic and consistency checks
anomaly detection
one-click trend charts
fully customitizible - support for any methodology
AI financial analyst:
Full processing cycle: from scan to final decision.
LUMI FORECASTING (ADDITIONAL MODULE)
Sold as a separate module. Not included in the base LUMI package.
AI module for financial forecasting and cash flow stress testing
modeling the impact of a loan (repayment, interest, grace period)
comparison of base and stress Cash Flow
automatic recalculation for stress scenarios
dynamic model based on seasonality, trends, and expense structure
What it does:
AI recommendations for actions
minimum liquidity level
cash gap month
variance table
dual chart (base / stress / CF+loan)
What the user sees:
Cash Flow short-term forecasting for 3–12 months, and longterm predictions for 2-10 years
HOW LUMI WORKS
Supported documents:
Balance Sheet
P&L
Cash Flow Statement
Trial Balance
Account Cards
SAP, 1C, QuickBooks and Excel exports
PDFs, photos, scans
Step 1
DOCUMENT UPLOAD
Drag and drop a ZIP file — LUMI will automatically identify document types, periods, companies, and point out any missing files.
LUMI shows:
key indicators
income/expense structure
trends and dynamics
anomalies
scoring and triggers
final summary for decision-making
ANALYSIS, TRIGGERS, AND CONCLUSION
Step 3
LUMI automatically:
consolidates legal entities
aligns reporting periods
eliminates intercompany turnover, duplicates, and errors
compiles a unified reporting package
Step 2
DOCUMENT PROCESSING
Financial institutions are operating under growing pressure for speed, data quality, and accuracy in risk assessment.
SMEs ARE ONE OF THE FASTEST-GROWING LENDING SEGMENTS IN KAZAKHSTAN.
WHY NOW?
+20%
year-over-year growth — the segment is growing faster than the rest of the market
26%
of the banking sector’s portfolio is attributed to SMEs
₸9.3 trillion
SME loan portfolio volume by the end of 2024
TODAY, BANKS AND FINANCIAL INSTITUTIONS IN KAZAKHSTAN NEED “LIGHT” IN SME DATA — TRANSPARENCY, SPEED, AND RELIABILITY
helps you see the full picture and make the right decision.
30
companies
to
in a group → consolidated automatically
10-30
from
days
10-20
to
minutes
for final analysis
120
documents
processed in less than 6 minutes
40%
data errors
90%
of manual operations
LUMI’S CORE VALUE IN NUMBERS
WHO LUMI IS FOR
For banks and MFIs, factoring, leasing, audit and consulting companies, as well as corporate finance departments
WHO NEED TO:
LUMI is designed for teams that work with corporate documents and make decisions based on large volumes of data.
Automate SME financial statement analysis
Reduce operational risks and data errors
Work with heterogeneous documents (PDFs, scans, photos, Excel, 1C)
Standardize analysts’ approach
Speed up credit analysis and application approval
WHAT CHALLENGES LUMI ADDRESSES
MANUAL DOCUMENT PROCESSING
Scanned copies, photos, 1C exports, Excel — everything is different, and everything requires manual cleanup
LUMI standardizes forms, matches reporting periods, removes duplicates, and aligns line items
ERRORS AND INCONSISTENCIES
Up to 30–40% of data errors lead to rejections and poor portfolio quality
LUMI checks logic and identifies anomalies, discrepancies, and intercompany turnover
COMPLEX CONSOLIDATION OF GROUP COMPANIES
Different legal entities, different formats, different periods — all handled manually
LUMI turns a group of companies into a clean, comparable reporting package
LENGTHY ANALYST CONCLUSIONS
Everyone works differently — there is no standard
LUMI generates a final summary in seconds, highlighting risks and triggers
what if?...
Swipe right to see more
I ONLY HAVE SCANNED DOCUMENTS
LUMI can extract data even from scans: it structures the data, checks OCR quality, and flags potential errors with the option to edit them.
I ONLY HAVE SCANNED DOCUMENTS
LUMI can extract data even from scans: it structures the data, checks OCR quality, and flags potential errors with the option to edit them.
THE CLIENT SENT LOW-QUALITY SCANS
LUMI will identify quality issues, highlight unreadable areas, and suggest manually
NEED TO DRILL DOWN INTO THE NUMBERS TO THE PRIMARY SOURCE
LUMI breaks down indicators to the primary data level — like in Excel, only faster and more transparent.
One click → and you see the calculation, tab, document, source, and link.
One click → and you see the calculation, tab, document, source, and link.
I WANT TO CAPTURE KEY INFORMATION ON THE APPLICATION
All core application blocks — documents, structure, financial analysis, decision — are available in tabs.
And the LUMI chat is always nearby: capture, clarify, and compare right in the process.
And the LUMI chat is always nearby: capture, clarify, and compare right in the process.
I WANT TO IMMEDIATELY SEE KEY METRICS, RISKS, ANOMALIES, AND FORECASTS
LUMI highlights risks directly in tables, shows anomalies, and builds forecasts of indicator dynamics.
I WANT TO ADJUST CALCULATION FORMULAS TO MATCH MY APPROACH
Customize formulas and coefficients — LUMI calculates the way you do.
I WANT TO VIEW METRIC TRENDS IN CHARTS
Track trends in one click. LUMI visualizes the dynamics of any metrics based on your request in chat.
I WANT TO LEAVE NOTES AND COMMENT ON CERTAIN FIGURES IN THE REPORT
LUMI allows you to capture any comments directly in tables and indicators: leave notes, highlight rows, attach explanations — everything is saved in the application and available to the team.
ADDITIONAL DOCUMENTS WERE SENT, AND THE ORIGINAL FILES NEED TO BE REPLACED
I WANT TO VIEW THE COMPANY STRUCTURE AND RELATIONSHIPS
LUMI identifies the group company structure and relationships.
I WANT TO VIEW THE COMPANY STRUCTURE AND RELATIONSHIPS
LUMI identifies the group company structure and relationships.
I ONLY HAVE SCANNED DOCUMENTS
LUMI can extract data even from scans: it structures the data, checks OCR quality, and flags potential errors with the option to edit them.
THE CLIENT SENT LOW-QUALITY SCANS
LUMI will identify quality issues, highlight unreadable areas, and suggest manually.
I WANT TO IMMEDIATELY SEE KEY METRICS, RISKS, ANOMALIES, AND FORECASTS
LUMI highlights risks directly in tables, shows anomalies, and builds forecasts of indicator dynamics
I WANT TO ADJUST CALCULATION FORMULAS TO MATCH MY APPROACH
Customize formulas and coefficients — LUMI calculates the way you do.
I WANT TO VIEW METRIC TRENDS IN CHARTS
Track trends in one click. LUMI visualizes the dynamics of any metrics based on your request in chat.
I WANT TO LEAVE NOTES AND COMMENT ON CERTAIN FIGURES IN THE REPORT
LUMI allows you to capture any comments directly in tables and indicators: leave notes, highlight rows, attach explanations — everything is saved in the application and available to the team.
ADDITIONAL DOCUMENTS WERE SENT, AND THE ORIGINAL FILES NEED TO BE REPLACED
I WANT TO VIEW THE COMPANY STRUCTURE AND RELATIONSHIPS
LUMI identifies the group company structure and relationships.
I WANT TO LEAVE NOTES AND COMMENT ON CERTAIN FIGURES IN THE REPORT
LUMI allows you to capture any comments directly in tables and indicators: leave notes, highlight rows, attach explanations — everything is saved in the application and available to the team.
I want to record key information about the application
All key application components—documents, structure, financial analysis, and decision—are available in tabs.
And chat with LUMI is always nearby: record, clarify, and compare right as you go.
And chat with LUMI is always nearby: record, clarify, and compare right as you go.
When working with financial documents and legal materials, LUMI complies with strict security requirements:
LUMI WAS DESIGNED AS A PRODUCT FOR THE FINANCIAL SECTOR — SECURITY IS BUILT INTO THE ARCHITECTURE.
DATA SECURITY
Full data encryption at rest and in transit
Role-based and employee-level access control
User activity auditing and operation logging
Secure storage in protected data centers
Hybrid deployment scenarios: cloud, on-premise, private environment
Compliance with the corporate security policies of Kazakhstan’s banks
Supports international and custom methodologies instead of imposing its own
02
Works even with messy documents and complex formats
03
Conclusions are always unified and standardized — any analyst arrives at the same quality level
07
Speeds up the analysis process by 20–50 times
06
Automatically consolidates groups of companies
04
Provides full calculation transparency down to the source data — like Excel, but faster
05
WHY LUMI IS BETTER THAN OTHER SOLUTIONS
Not just OCR and not just BI — it is your reliable expert, your intelligent decision-making engine.
End-to-end processing: from scanned document to final decision
01
5
types of AI developed and implemented
6
industry awards, Microsoft Gold Partner status
700+
business analysts and executives trained
16
industries served
400+
projects delivered
670
billion ₸ analyzed
670
млрд ₸ проанализирова-но
10+
years of working with big data and dynamic analytics
THE NUMBERS SPEAK FOR THEMSELVES
START MAKING FASTER AND MORE ACCURATE DECISIONS
Illuminate your SME data — try LUMI today. LUMI is ready for a pilot in your organization.
Illuminate your SME data – try LUMI today. LUMI is ready for your pilot.
Start making decisions faster and more accurately