Income leakage hides inside the core banking system: invisible to manual reconciliation and untraceable across pricing, exceptions and channels. A shadow engine calculates what should have been earned, and reconciles it against what was actually booked, every day.
Banks that price facilities off a benchmark rate, a fixed margin or a floating rate still mostly reconcile what was actually booked against what a facility should have earned by hand: deal by deal, well after the fact. A credit application sets the terms; the core banking system later books a number against that facility; and whether the two agree is usually only checked during a periodic audit, months after the transaction happened. By then, a shortfall is a write-off, not a fix: and an excess booking is a compliance question nobody remembers the context for.
Revenue Assurance came out of exactly that gap on a live mandate, not a product brainstorm. It sits alongside the credit files a bank already produces and turns them into a live, auditable reconciliation: because a bank cannot afford a process that guesses, and it cannot afford one that nobody can explain to an auditor.
Two stages, running continuously against every facility, not a month-end project. Detect establishes the true figure; Resolve puts a person in front of every exception before anything is corrected.
AI reads facility structure, product type, rate, tenor and repayment terms directly from the credit application and availment letter: nobody re-keys a document into a spreadsheet.
One consistent method, fixed, floating, or benchmark plus margin, works out what should have been booked, applied the same way every time.
That figure is compared, field by field, against what the core banking system actually booked for the same transaction, at account level, daily.
Anything outside a configurable tolerance is surfaced as a shortfall or an excess, ranked by value, not buried in a report nobody opens.
The source document is one click away, so a reviewer confirms in seconds instead of requesting files back from operations.
A person closes every flag: the engine never books or reverses anything itself, and every closure keeps a reason attached.
The problem, the way it’s handled today, and what changes once Revenue Assurance is running.
Two engagements, two very different pricing structures: the same shadow reconciliation underneath.
Plugged leakage across channels on trade finance pricing: improving profitability, audit efficiency and customer experience in parallel.
Profit-rate calculations on Murabaha facilities reconciled against core system bookings for the first time, with every figure traced back to its underlying sale agreement.