BankIA family · AI credit studies

DatIA Recaudo

An AI-first expert system for document analysis, payment-capacity assessment, AI-assisted scoring, validation, traceability and compliance. It supports human decisions — it is not an automatic approval engine.

Get a quote Try the original ↗
What is included

From the document to the study, with evidence for every figure

Every extracted figure shows the document and page it came from, with its confidence level. Doubtful data is flagged for an analyst to confirm. The math (income, expenses, indebtedness, capacity to pay, DSCR and a transparent score) is done by code with exact decimal arithmetic, not by the AI model.

The suggested rate is capped at the current usury rate of the Financial Superintendence and each entity configures its own credit policy: AI does not change it. The result is a study the committee can audit, with alerts, missing documents and a recommended amount and term that is never an approval.

It is a platform under construction: the first version is in internal testing with fictitious data, and before use with real applicants it will go through a security review and a legal review of data handling.

Who it is for

  • Banks and fintechs that want to speed up application review with an organized file.
  • Cooperatives and funds that need consistent studies for the credit committee.
  • Large savings groups that run a simple study before lending to someone outside the group.
  • Analysts who consolidate documents and formulas by hand today.

Requirements and delivery

  • Assisted installation by jsadsAI on a server (VPS) of yours or ours.
  • Product under construction within the BankIA family: quoted by scope.
  • It supports the human credit decision: it does not approve automatically.
Modules

What it delivers

As published on bankia.jsadsai.com/soluciones/data-recaudo and dr.jsadsai.com. Under construction; none of this is offered as an operating service yet.

Document list by applicant typeEmployed individual, self-employed and legal entity, with mandatory and optional items; the platform flags what is missing.
Reading with evidenceAI extracts each figure and marks it with its source page and confidence level; doubtful data goes to human review.
Rules engineCapacity to pay, total indebtedness, liquidity, DSCR and score, with a policy configurable per entity and visible formulas.
Usury capThe suggested rate is limited to the current usury rate of the Financial Superintendence.
Alerts and risksExpired or missing documents, inconsistencies between supports, an installment above capacity, low-confidence data.
Suggested amount and termAn explainable recommendation for the committee; never an automatic approval.
Printable report and fileApplication, result, evidence, calculation, documents with digital fingerprint and decision, with a history of who changed what.
Separate entitiesEach entity sees only its own studies and documents, encrypted.
Decision with a noteThe analyst approves, adjusts or rejects with a mandatory note. Who decided, when and why is recorded.
See the demo ↗
Plans and prices

Quoted by your scope

Official prices from the jsadsAI catalog. Payment is in Colombian pesos through Wompi; a price in US dollars is converted at the exchange rate of the purchase day.

Quoted by scope

This product has no list price: it depends on the scope, the installation and the modules you need. Tell us your case and we reply with a proposal.

Ask for a proposal
Versions and updates

Current version and how we notify you

Current version: will be published with the product manifest before sale

  • Semantic versioning (MAJOR.MINOR.PATCH) for every product; each sale records the version delivered.
  • Patches and minors (fixes and improvements that do not change how you work): announced and installed on a schedule, with a prior backup and rollback.
  • Majors (change screens or flows): announced 30 days ahead with release notes; you may stay on the previous version, with security support for 12 months for the last minor of each major, or contract a custom module that keeps the old behavior.
  • An update never removes your data or modules you paid for.
Documentation and support

Everything you need to know

Support and FAQFull product page on BankIA · Flow, documents, controls and regulation ↗

The contract, manual and getting-started guide of each product are delivered with the license; they will appear here once published.

FAQ

Before you buy

What is DatIA Recaudo?

DatIA Recaudo is the AI credit-study platform of the BankIA family, created by jsadsAI | José Santamaría: it reads the applicant's documents, computes capacity to pay and indebtedness with verifiable rules and delivers a study with risks and a recommended amount and term for the committee. It is under construction, with a demo at dr.jsadsai.com.

Does the AI approve or reject loans?

No. It prepares the study and recommends; a person decides, with a mandatory note recording who decided, when and why.

What if the AI misreads a document?

Every figure carries its evidence (document and page) and its confidence level; doubtful data is flagged for human review and the calculations are done by code, not by the model.

Does it connect to credit bureaus?

Not defined yet. Today the scope is the analysis of the documents the applicant provides.

Where do the applicant's documents stay?

In the entity's space, encrypted and separated from the others. Retention and deletion periods will be defined with the legal review before launch.

Need something different?

Tell us your case: we quote the installation, the modules and the support that fit you.

Ask for a proposal → All products

A real human replies. No spam. Free initial diagnostic.

Request an AI diagnosis