Powerful Features for Smart Financial Analysis
Discover how PayMonsta's AI-powered tools help you understand your financial health, improve your credit score, and make better financial decisions.
Core Features
Advanced AI technology meets Malaysian banking expertise to deliver comprehensive financial insights in seconds.
AI Bank Statement Analysis
Upload your PDF bank statement and let our advanced AI analyze your financial patterns, transaction history, and spending behavior with 99.9% accuracy.
Credit Score Calculation
Get your bank statement score on a 1-850 scale with detailed breakdowns of factors affecting your creditworthiness and financial health.
Smart Recommendations
Receive personalized, actionable advice to improve your financial health, increase your credit score, and optimize your spending patterns.
Real-time Processing
Get instant results in under 30 seconds. Our optimized AI engine processes your data quickly without compromising on accuracy or security.
Secure Processing
Your data is processed securely and never stored permanently. We use bank-level encryption and delete all information immediately after analysis.
Malaysian Banking Support
Specifically tailored for Malaysian banking patterns, transaction types, and financial practices to provide the most accurate local insights.
Advanced Analysis
Deep dive into your financial data with comprehensive metrics and intelligent risk assessment capabilities.
Transaction Parsing
Automatically extract and categorize transactions from PDF statements with intelligent recognition of Malaysian banking formats.
Financial Metrics
Comprehensive breakdown of income, expenses, savings rate, debt-to-income ratio, and other key financial health indicators.
Risk Assessment
Identify potential financial risks and positive factors affecting your creditworthiness with detailed explanations and improvement suggestions.
Payment Consistency Scoring
Track your payment patterns and consistency over time to understand how your financial behavior impacts your overall credit profile.
Coming Soon
Exciting new features in development to make PayMonsta your complete financial analysis and management platform.
Invoice Maker
Create professional invoices with automated calculations, customizable templates, and seamless integration with your financial analysis data.
Multi-Bank Support
Expanded support for all major Malaysian banks including specialized Islamic banking formats and international bank statements.
Historical Tracking
Track your credit score improvements over time with detailed analytics, progress charts, and milestone achievements.
Export Reports
Download comprehensive PDF reports of your financial analysis for loan applications, financial planning, or personal records.
Ready to Analyze Your Financial Health?
Upload your bank statement and get instant AI-powered insights to improve your financial health and credit score.
Get Started Now