Introducing Advanced Document Fraud Detection: Gateway to a Complete Data Solution for Lenders

When we first introduced our document processing feature under Flinks Connect, our mission was to help lenders streamline their lending operations, reduce fraud, and make faster, more confident decisions. Today, we’re excited to announce a major milestone in that journey: the introduction of advanced document forensics technology to provide a comprehensive document processing and authentication experience.

This update gives lenders the power to process financial documents more securely and efficiently than ever before. By combining bank connectivity, document processing, data enrichment and industry-leading fraud detection into one seamless platform, Flinks is now a complete financial data solution for lenders across North America.

Why this matters for lenders

Today, lenders still heavily rely on financial documents to help with loan adjudication, but this comes with a major drawback. Document fraud is on the rise, and increasingly sophisticated manipulation techniques make it harder than ever to trust the information used in loan decisions. From template farms to AI-generated forgeries, fraudsters are constantly evolving their tactics, creating significant challenges for lenders who rely on accurate documentation for underwriting. In fact, 1 in 4 financial documents show some sign of tampering, while 1 in 50 are high-quality forgeries or template-based fabrications, often sourced from easily accessible online searches.

With this update, we’re helping lenders stay ahead of these threats. Powered by Resistant AI, the advanced fraud update inspects documents in over 500 different ways with an impressive accuracy rate of 99.99%—analyzing metadata, image structure, font consistency, and more—to detect signs of tampering that are invisible to the naked eye.

A deeper look into the update

Seamlessly integrated into Flinks, this update allows lenders to assess a borrower’s financial health and verify document authenticity all in one place—either through our dashboard or directly via API. This unified approach provides lenders with the tools they need to make faster, more informed decisions without the inefficiencies of manual document verification.

Confidence with clear, actionable verdicts

With this update, lenders receive transparent explanations behind each fraud detection decision, ensuring clarity in every verdict to confidently take action. Our system classifies document authenticity using quality scores and straightforward categorizations such as:

• Trusted: The document perfectly matches authentic ones.
• Normal: No signs of tampering detected.
• Warning: Some modifications were found, and the document should be reviewed.
• High Risk: The document is likely fraudulent and should be declined.

Furthermore, this allows lenders to create various workflows to streamline decision-making based on their risk appetite and business goals while maintaining full control over approvals and rejections.

The result: Increase onboarding velocity by 60%, enabling faster loan approvals and a smoother borrower experience.

Ease of mind with vast document support

We understand lenders work with a wide variety of financial documents as part of the decision-making process. The advanced fraud detection supports both PDF and image files and is compatible with a wide variety of financial documents, giving lenders confidence in document authenticity across multiple formats. Supported document types include:

• Bank statements
• Voided checks
• Pay stubs
• Tax documents
• Identification documents (passports, driver’s licenses, national IDs)
• And almost all other financial documents

The result: Reduce manual reviews by 90%, allowing lenders to solely focus on suspicious documents.

It’s important to note, that while document fraud detection extends across all financial documents, data extraction and processing currently apply only to bank statements, with voided check support on the way.

The bigger picture and what’s next

This product update marks a significant step toward our broader vision: providing lenders with a truly automated lending experience. By combining best-in-class document forensics with our industry-leading data connectivity and enrichment capabilities, we now provide a comprehensive solution lenders need to collect, verify, and utilize borrower information efficiently and securely–without the need to manage multiple tools and methods.

This is just the beginning. As we continue to innovate and evolve our solutions, our focus remains on delivering tools that help lenders grow their businesses, serve more borrowers, and minimize their exposure to fraud.

Now is the time to take control of your lending process with confidence. Get in touch with us today to see how Flinks can help you mitigate risk, accelerate approvals, and scale your business with ease.