Docs-to-Digital matching allows you to automatically compare Plaid transaction data with bank statement data submitted during the loan application process. It detects inconsistencies between digital (Plaid) and analog (PDF) data across overlapping dates and accounts, prioritizes discrepancies by severity (High, Medium, Low), and lets you review mismatched transactions directly alongside existing book data.

You can access this feature through one of the following approaches, depending on your business needs.:

• Using Ocrolus Dashboard
• Using Ocrolus APIs

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This feature is in beta!

This page discusses functionality that is in beta. You may occasionally experience unannounced changes or bugs. We'd greatly appreciate your feedback on this feature and its accompanying documentation.

Prerequisites

Before you begin, ensure that you have the following access and data:

• Access to Analytics: If you want to use the API approach, ensure that your organization has access to Ocrolus V2 Analytics. It requires the latest analytics endpoints, including the Book summary and Enriched transaction endpoints.
• Feature Access: Docs-to-Digital is enabled for SMB lenders. If you don’t see the Compare bank statement data to digital data option, contact your Account Manager.

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  Note

  Docs-to-Digital is currently enabled for SMB lenders. If you don’t see the Compare option, reach out to your Account Manager.

• Book ID: Identify the specific Book that contains previously uploaded bank statements.
• Plaid account and transaction data: Verify that your organization has an active Plaid account and can obtain Plaid JSON files containing the borrower’s most up-to-date transaction data (either a Plaid Asset Report or a Transactions JSON).