The platform, release by release.

Two of the most requested features are now live in every account, along with a redesigned Decision scorecard and tighter policy governance.

Loan repayments and amortisation, visible at last

Floowed now detects existing loans straight from bank statements. It picks up loan proceeds, identifies repayment streams, and maps out the cadence: typical repayment amounts, how regularly they hit, and any failed attempts along the way. Everything is laid out on a monthly timeline, and repayments are linked back to the proceeds they belong to.

The result: you can see how an applicant is servicing their existing debt before you decide to add to it. No more reconstructing amortisation behavior by hand from raw statement lines.

Bounced cheques and risk signals, in full detail

Bank risk analysis just got a lot sharper. NSF and negative-balance episodes are now tracked end to end: how long the account stayed negative, how deep it went, and whether (and when) it genuinely recovered. Bounced payments are properly separated from reversed incoming receipts, related cheque events are grouped together, and every event drills down to the underlying transactions.

Risk events are also ordered correctly across statements, even when dates overlap or statements arrive out of sequence. The story the timeline tells you is the story that actually happened.

A redesigned Decision scorecard

The scorecard got a full redesign: a compact decision summary, hard-rule results, and score metrics in one view, topped with a grade-band score gauge. Every row expands to show the detail behind the number, so you can go from headline decision to underlying evidence in one click.

Tighter policy governance

Applications processed on an older template version are now flagged with a clear warning, and you can re-evaluate them against the current version in one action. Template selection is also limited to versions with an active policy, so an application can't accidentally run against a configuration that shouldn't decision. The policy you write is the policy that runs, and now it's easier to prove it.

Improvements and fixes

• Workflow canvas stability: fixes for zoom, layout, and resizing behavior.
• Workflow-node configuration: direct edit access restored, and custom integration settings now save at the individual node level.
• Processor Schema Builder: longer-running processor tests are supported, with clearer errors when a test does fail.
• Faster processing and more reliable analysis across the board.

One of our biggest statement-review updates yet. This release is all about helping you spot what needs attention faster, and trust the numbers even on large, messy, or non-standard statements.

Clearer review status at a glance

• New colour-coded status card on each statement thumbnail, so you can see extraction status and any manual-review items instantly.
• Issue counts now appear on each thumbnail, so you can tell which statements need attention before opening them.
• New "Jump to issue" button in side-by-side review takes you straight to the transactions that need a manual review.
• Thumbnail status and the side-by-side screen now stay in sync, for a consistent review status across the platform.

Fewer unnecessary manual reviews

Recovered rows and normal balance history no longer trigger a manual review when no action is actually needed.

Better handling of large and complex statements

• Upload large files without timeouts.
• Improved page coverage, reducing the risk of pages being silently missed, with clearer flagging when a page may have failed or been dropped.
• Better handling of long statements and chunk-boundary pages.
• More reliable handling of statements with ambiguous or missing page numbers.

More accurate figures

• Improved balance verification, with a clearer distinction between the original expected balance and later recovered balances.
• Better debit and credit detection on statements that use a single combined amount column.
• Debit and credit direction is now inferred from opening and running-balance movement, with automatic correction where the balance clearly supports it. Fewer cheque payments mis-classified as credits.
• Genuinely uncertain transactions are still preserved for manual review rather than force-corrected on unclear evidence.