{"id":50417,"date":"2026-08-29T07:30:30","date_gmt":"2026-08-29T07:30:30","guid":{"rendered":"https:\/\/parashift.ai\/?page_id=50417"},"modified":"2026-09-25T17:48:51","modified_gmt":"2026-09-25T17:48:51","slug":"credit-mortgage-dossier","status":"publish","type":"page","link":"https:\/\/parashift.ai\/en\/banking\/credit-mortgage-dossier\/","title":{"rendered":"Credit &#038; Mortgage Dossiers"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"50417\" class=\"elementor elementor-50417 elementor-50205\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ukhSec0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ukhSec0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;pix_scale_in&quot;:&quot;none&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container 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.uc-link{display:inline-flex;align-items:center;gap:6px;color:var(--brand-deep);font-weight:700;font-size:13.5px;margin-top:4px;}\n.psvr-scope .ucard .uc-link svg{width:15px;height:15px;}\n\n\/* ---------- Comparison table ---------- *\/\n.psvr-scope .cmp-wrap{overflow-x:auto;margin-top:8px;-webkit-overflow-scrolling:touch;}\n.psvr-scope .cmp-lead{max-width:800px;color:var(--ink-soft);font-size:15.5px;margin-bottom:28px;}\n.psvr-scope table.cmp{width:100%;border-collapse:separate;border-spacing:0;min-width:640px;background:var(--bg);border-radius:14px;overflow:hidden;box-shadow:var(--shadow);border:1px solid var(--line);}\n.psvr-scope table.cmp th,.psvr-scope table.cmp td{padding:16px 20px;text-align:left;vertical-align:top;font-size:13.5px;border-bottom:1px solid var(--line);}\n.psvr-scope table.cmp tr:last-child td{border-bottom:none;}\n.psvr-scope table.cmp thead th{font-family:\"JetBrains Mono\",monospace;font-size:11.5px;font-weight:600;letter-spacing:.03em;text-transform:uppercase;color:var(--ink-soft);background:var(--bg-alt);border-bottom:1px solid var(--line);}\n.psvr-scope table.cmp th.crit{color:var(--ink);}\n.psvr-scope table.cmp td.crit{font-weight:700;color:var(--ink);background:var(--bg-alt);white-space:nowrap;}\n.psvr-scope table.cmp th.good,.psvr-scope table.cmp td.good{background:var(--brand-glow);}\n.psvr-scope table.cmp td.good{color:var(--ink);}\n.psvr-scope table.cmp td .m-row{display:flex;gap:9px;align-items:flex-start;}\n.psvr-scope table.cmp td .m-row svg{width:15px;height:15px;flex:none;margin-top:1px;}\n.psvr-scope table.cmp td.good .m-row svg{color:var(--good);}\n.psvr-scope table.cmp td:not(.good):not(.crit) .m-row svg{color:#c94b4b;}\n@media (max-width:720px){.psvr-scope table.cmp th,.psvr-scope table.cmp td{padding:13px 16px;font-size:12.5px;}}\n\n\/* ---------- FAQ accordion ---------- *\/\n.psvr-scope .faqlist{display:flex;flex-direction:column;gap:12px;margin-top:8px;max-width:840px;}\n.psvr-scope details.qa{background:var(--bg);border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);overflow:hidden;}\n.psvr-scope details.qa summary{list-style:none;cursor:pointer;padding:18px 22px;display:flex;align-items:center;justify-content:space-between;gap:16px;font-weight:700;font-size:15px;color:var(--ink);}\n.psvr-scope details.qa summary::-webkit-details-marker{display:none;}\n.psvr-scope details.qa summary .qa-ic{flex:none;width:22px;height:22px;border-radius:50%;background:var(--brand-glow);color:var(--brand-deep);display:flex;align-items:center;justify-content:center;transition:transform .18s ease;}\n.psvr-scope details.qa summary .qa-ic svg{width:12px;height:12px;}\n.psvr-scope details.qa[open] summary .qa-ic{transform:rotate(45deg);}\n.psvr-scope details.qa .qa-a{padding:0 22px 20px;color:var(--ink-soft);font-size:14.5px;max-width:74ch;}\n.psvr-scope .faq-cta{margin-top:26px;}\n\n\/* ---------- Testimonials ---------- *\/\n.psvr-scope .tmngrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:8px;}\n@media (max-width:900px){.psvr-scope .tmngrid{grid-template-columns:1fr;}}\n.psvr-scope .tmn{background:var(--bg);border:1px solid var(--line);border-radius:16px;padding:26px 24px;box-shadow:var(--shadow);display:flex;flex-direction:column;gap:16px;}\n.psvr-scope .tmn .tmn-q{color:var(--ink);font-size:14.5px;flex:1;white-space:pre-line;}\n.psvr-scope .tmn .tmn-q::before{content:\"\\201C\";color:var(--brand);font-size:28px;font-family:Georgia,serif;line-height:0;display:block;margin-bottom:6px;}\n.psvr-scope .tmn .tmn-who{display:flex;flex-direction:column;gap:2px;border-top:1px solid var(--line);padding-top:14px;}\n.psvr-scope .tmn .tmn-name{font-weight:700;font-size:13.5px;color:var(--ink);}\n.psvr-scope .tmn .tmn-role{font-size:12.5px;color:var(--ink-faint);}\n\n\/* ---------- Feature grid (long-form) ---------- *\/\n.psvr-scope .featuregrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:8px;}\n@media (max-width:900px){.psvr-scope .featuregrid{grid-template-columns:1fr 1fr;}}\n@media (max-width:600px){.psvr-scope .featuregrid{grid-template-columns:1fr;}}\n.psvr-scope .feat{background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:24px 22px;box-shadow:var(--shadow);}\n.psvr-scope .feat .feat-ic{width:36px;height:36px;border-radius:10px;background:var(--brand-glow);color:var(--brand-deep);display:flex;align-items:center;justify-content:center;margin-bottom:14px;}\n.psvr-scope .feat .feat-ic svg{width:18px;height:18px;}\n.psvr-scope .feat h4{font-size:15.5px;font-weight:700;margin-bottom:9px;color:var(--ink);}\n.psvr-scope .feat p{font-size:13.5px;color:var(--ink-soft);}\n\n<\/style><link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Barlow:wght@400;500;600;700;800&family=JetBrains+Mono:wght@400;500;600&display=swap\" rel=\"stylesheet\">\n<style>\n.psvr-scope{\n  --bg:#ffffff;--bg-alt:#e9eff9;--bg-deep:#0b1526;--bg-deep-alt:#0f1c33;\n  --ink:#16202c;--ink-soft:#55626f;--ink-faint:#8792a0;\n  --invert:#eef2fa;--invert-soft:#9fadc4;\n  --brand:#4987f5;--brand-deep:#2f66d6;--brand-glow:#e8f0fe;--teal:#7dabf9;--good:#1f9d6f;\n  --line:#e2e8f2;--line-deep:#233047;--radius:10px;\n  --shadow:0 1px 2px rgba(20,30,50,.04), 0 8px 24px -12px rgba(20,30,50,.10);\n  background:var(--bg);color:var(--ink);font-family:\"Barlow\",Arial,Helvetica,sans-serif;\n  line-height:1.55;-webkit-font-smoothing:antialiased;display:block;\n  margin:-10px 0;\n}\n.psvr-scope, .psvr-scope *{box-sizing:border-box;}\n.psvr-scope img{max-width:100%;display:block;}\n.psvr-scope a{color:inherit;text-decoration:none;}\n.psvr-scope h1,.psvr-scope h2,.psvr-scope h3,.psvr-scope h4{font-family:\"Barlow\",Arial,Helvetica,sans-serif;line-height:1.12;text-wrap:balance;margin:0;font-weight:800;letter-spacing:-.01em;}\n.psvr-scope p{margin:0;}\n.psvr-scope .mono{font-family:\"JetBrains Mono\",ui-monospace,Consolas,monospace;font-variant-numeric:tabular-nums;}\n.psvr-scope .wrap{max-width:1180px;margin:0 auto;padding:0 32px;}\n@media (max-width:720px){.psvr-scope .wrap{padding:0 20px;}}\n.psvr-scope .btn{display:inline-flex;align-items:center;gap:8px;background:var(--brand);color:#fff;padding:13px 24px;border-radius:8px;font-weight:700;font-size:15px;border:1px solid var(--brand);cursor:pointer;transition:transform .12s ease, background .15s ease, box-shadow .15s ease;box-shadow:0 6px 16px -8px rgba(73,135,245,.55);}\n.psvr-scope .btn:hover{background:var(--brand-deep);border-color:var(--brand-deep);transform:translateY(-1px);color:#fff;}\n.psvr-scope .btn.ghost{background:transparent;color:var(--brand);border:1px solid var(--line);box-shadow:none;}\n.psvr-scope .btn.ghost:hover{background:var(--brand-glow);transform:none;color:var(--brand);}\n.psvr-scope .eyebrow{display:inline-flex;align-items:center;gap:8px;font-family:\"JetBrains Mono\",monospace;font-size:11.5px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--brand);background:var(--brand-glow);border:1px solid rgba(73,135,245,.25);padding:6px 12px;border-radius:100px;}\n.psvr-scope section{padding:96px 0;margin-left:calc(50% - 50vw);margin-right:calc(50% - 50vw);width:100vw;background:var(--bg);}\n@media (max-width:720px){.psvr-scope section{padding:64px 0;}}\n.psvr-scope .section-head{max-width:660px;margin:0 0 44px;}\n.psvr-scope .section-head h2{font-size:clamp(26px,3.2vw,34px);}\n.psvr-scope .section-head p{margin-top:12px;color:var(--ink-soft);font-size:16px;max-width:62ch;}\n.psvr-scope .section-head .eyebrow{margin-bottom:16px;}\n.psvr-scope .alt{background:var(--bg-alt);border-top:1px solid var(--line);border-bottom:1px solid var(--line);}\n\n\/* breadcrumb *\/\n.psvr-scope .crumb{display:flex;align-items:center;gap:8px;font-size:13px;color:var(--invert-soft);margin-bottom:22px;}\n.psvr-scope .crumb a{color:var(--invert-soft);}\n.psvr-scope .crumb a:hover{color:#fff;}\n.psvr-scope .crumb .sep{opacity:.5;}\n.psvr-scope .crumb .here{color:var(--invert);}\n\n\/* page header (hero-lite) *\/\n.psvr-scope .herowrap{background:radial-gradient(ellipse 900px 520px at 78% -10%, rgba(73,135,245,.16) 0%, rgba(73,135,245,0) 62%), linear-gradient(180deg,#0d1830 0%,#0b1526 55%,#0f1c33 100%);margin-left:calc(50% - 50vw);margin-right:calc(50% - 50vw);width:100vw;position:relative;}\n.psvr-scope .pagehead{color:var(--invert);padding:168px 0 40px;position:relative;overflow:hidden;}\n@media (max-width:720px){.psvr-scope .pagehead{padding:132px 0 32px;}}\n.psvr-scope .pagehead .eyebrow{background:rgba(73,135,245,.18);color:#9db8f7;border-color:rgba(73,135,245,.35);}\n.psvr-scope .pagehead-grid{display:grid;grid-template-columns:1.15fr 1fr;gap:48px;align-items:center;}\n@media (max-width:900px){.psvr-scope .pagehead-grid{grid-template-columns:1fr;}}\n.psvr-scope .pagehead h1{font-size:clamp(28px,3.4vw,40px);color:var(--invert);margin:14px 0 16px;max-width:640px;}\n.psvr-scope .pagehead .lede{font-size:16.5px;color:var(--invert-soft);max-width:60ch;margin-bottom:22px;}\n.psvr-scope .pagehead .ctas{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px;}\n.psvr-scope .pagehead .btn.ghost{color:var(--invert);border-color:var(--line-deep);}\n.psvr-scope .pagehead .btn.ghost:hover{background:rgba(255,255,255,.07);}\n.psvr-scope .pagehead .microproof{display:flex;gap:22px;flex-wrap:wrap;font-size:13px;color:var(--invert-soft);}\n.psvr-scope .pagehead .microproof span{display:flex;align-items:center;gap:7px;}\n.psvr-scope .pagehead .microproof .dot{width:6px;height:6px;border-radius:50%;background:var(--good);}\n\n\/* extraction card visual *\/\n.psvr-scope .extractcard{background:#fff;border-radius:16px;padding:22px 22px 18px;box-shadow:0 20px 50px -18px rgba(0,0,0,.5);}\n.psvr-scope .extractcard .ec-top{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:18px;flex-wrap:wrap;}\n.psvr-scope .extractcard .ec-id{font-family:\"JetBrains Mono\",monospace;font-size:12.5px;font-weight:600;color:var(--ink);}\n.psvr-scope .extractcard .ec-pill{font-family:\"JetBrains Mono\",monospace;font-size:10px;font-weight:600;color:var(--brand-deep);background:var(--brand-glow);padding:4px 9px;border-radius:100px;white-space:nowrap;}\n.psvr-scope .extractcard .ec-body{display:flex;gap:20px;align-items:flex-start;}\n.psvr-scope .extractcard .ec-thumb{flex:none;}\n.psvr-scope .extractcard .ec-fields{flex:1;display:flex;flex-direction:column;gap:11px;min-width:0;}\n.psvr-scope .extractcard .ec-row{display:flex;align-items:baseline;justify-content:space-between;gap:12px;padding-bottom:10px;border-bottom:1px solid var(--line);}\n.psvr-scope .extractcard .ec-row:last-child{border-bottom:none;padding-bottom:0;}\n.psvr-scope .extractcard .ec-row span{font-size:12px;color:var(--ink-soft);}\n.psvr-scope .extractcard .ec-row b{font-size:13.5px;color:var(--ink);font-weight:700;text-align:right;white-space:nowrap;}\n.psvr-scope .extractcard .ec-foot{margin-top:16px;padding-top:13px;border-top:1px solid var(--line);font-size:11.5px;color:var(--ink-faint);}\n\n\/* trustband (bank customer logos) *\/\n.psvr-scope .trustband{background:transparent;padding:56px 0 52px;border-top:1px solid rgba(255,255,255,.07);}\n.psvr-scope .trustband .trust-label{text-align:center;font-size:13px;color:var(--invert-soft);margin-bottom:26px;}\n.psvr-scope .trustlogos{display:flex;gap:40px;flex-wrap:wrap;align-items:center;justify-content:center;}\n.psvr-scope .trustlogos img{width:78px;height:24px;object-fit:contain;object-position:center;opacity:.55;filter:brightness(0) invert(1);transition:opacity .15s ease;}\n.psvr-scope .trustlogos img:hover{opacity:.9;}\n.psvr-scope .trustlogos img[alt=\"Raiffeisen\"],.psvr-scope .trustlogos img[alt=\"Raiffeisen Bank\"]{filter:none;}\n\n\/* prozess heute *\/\n.psvr-scope .prozess-lead{max-width:820px;font-size:17px;color:var(--ink-soft);}\n.psvr-scope .prozess-lead strong{color:var(--ink);font-weight:700;}\n\n\/* doclist *\/\n.psvr-scope .doclist{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:8px;}\n@media (max-width:900px){.psvr-scope .doclist{grid-template-columns:1fr 1fr;}}\n@media (max-width:600px){.psvr-scope .doclist{grid-template-columns:1fr;}}\n.psvr-scope .doc{background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:22px 22px 20px;box-shadow:var(--shadow);}\n.psvr-scope .doc h4{font-size:15.5px;font-weight:700;margin-bottom:10px;color:var(--ink);display:flex;align-items:center;gap:9px;}\n.psvr-scope .doc h4 .dicon{width:30px;height:30px;flex:none;border-radius:8px;background:var(--brand-glow);color:var(--brand);display:flex;align-items:center;justify-content:center;}\n.psvr-scope .doc h4 .dicon svg{width:15px;height:15px;}\n.psvr-scope .fields{display:flex;flex-wrap:wrap;gap:6px;}\n.psvr-scope .fields span{font-family:\"JetBrains Mono\",monospace;font-size:11px;color:var(--ink-soft);background:var(--bg-alt);border:1px solid var(--line);padding:3px 8px;border-radius:5px;}\n\n\/* ablauf \/ flow *\/\n.psvr-scope .flow{display:flex;align-items:stretch;gap:0;flex-wrap:wrap;margin-top:8px;}\n.psvr-scope .flow .step{flex:1;min-width:160px;background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:22px 20px;box-shadow:var(--shadow);position:relative;}\n.psvr-scope .flow .step .n{font-family:\"JetBrains Mono\",monospace;font-size:11px;font-weight:600;color:var(--brand);letter-spacing:.04em;margin-bottom:10px;}\n.psvr-scope .flow .step h4{font-size:15px;font-weight:700;margin-bottom:6px;color:var(--ink);}\n.psvr-scope .flow .step p{font-size:13px;color:var(--ink-soft);}\n.psvr-scope .flow .arrow{display:flex;align-items:center;justify-content:center;color:var(--ink-faint);flex:0 0 34px;}\n@media (max-width:880px){.psvr-scope .flow{flex-direction:column;}.psvr-scope .flow .arrow{transform:rotate(90deg);flex:0 0 24px;}}\n\n\/* zielsysteme *\/\n.psvr-scope .systems{display:flex;flex-wrap:wrap;gap:12px;margin-top:8px;}\n.psvr-scope .systems span{font-family:\"JetBrains Mono\",monospace;font-size:13px;color:var(--ink-soft);background:var(--bg);border:1px solid var(--line);padding:9px 16px;border-radius:9px;box-shadow:var(--shadow);}\n\n\/* compliance line *\/\n.psvr-scope .compliance-line{display:flex;flex-wrap:wrap;gap:10px 26px;align-items:center;font-size:13.5px;color:var(--ink-soft);margin-top:6px;}\n.psvr-scope .compliance-line span{display:flex;align-items:center;gap:7px;}\n.psvr-scope .compliance-line .dot{width:6px;height:6px;border-radius:50%;background:var(--brand);}\n\n\/* effekt band *\/\n.psvr-scope .effektband{display:flex;gap:40px;flex-wrap:wrap;align-items:baseline;}\n.psvr-scope .effekt{}\n.psvr-scope .effekt .num{font-family:\"JetBrains Mono\",monospace;font-size:42px;font-weight:600;color:var(--brand-deep);line-height:1;}\n.psvr-scope .effekt p{margin-top:8px;color:var(--ink-soft);font-size:14px;max-width:28ch;}\n.psvr-scope .effekt .src{display:block;margin-top:4px;font-size:11.5px;color:var(--ink-faint);}\n\n\/* querverweis \/ cta *\/\n.psvr-scope .hubcard{background:var(--bg);border:1px solid var(--line);border-radius:16px;padding:28px 30px;box-shadow:var(--shadow);display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;}\n.psvr-scope .hubcard div{max-width:60ch;}\n.psvr-scope .hubcard h3{font-size:18px;margin-bottom:6px;}\n.psvr-scope .hubcard p{color:var(--ink-soft);font-size:14px;}\n\n.psvr-scope .finalcta{background:linear-gradient(120deg,var(--brand-deep) 0%,var(--brand) 70%,var(--teal) 130%);color:#fff;text-align:center;}\n.psvr-scope .finalcta h2{color:#fff;font-size:clamp(26px,3.2vw,34px);margin-bottom:14px;}\n.psvr-scope .finalcta p{color:rgba(255,255,255,.85);max-width:56ch;margin:0 auto 28px;font-size:16px;}\n.psvr-scope .finalcta .ctas{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-bottom:14px;}\n.psvr-scope .finalcta .btn{background:#fff;color:var(--brand-deep);border-color:#fff;}\n.psvr-scope .finalcta .btn:hover{background:#eef2fa;color:var(--brand-deep);}\n.psvr-scope .finalcta .note{font-size:13px;color:rgba(255,255,255,.75);}\n<\/style>\n\n<div class=\"psvr-scope\">\n\n<div class=\"herowrap\">\n<div class=\"pagehead\">\n  <div class=\"wrap\">\n    <div class=\"pagehead-grid\">\n    <div>\n    <div class=\"crumb\"><a href=\"\/en\/\">Parashift<\/a><span class=\"sep\">\/<\/span><a href=\"\/en\/banking\/\">Banking<\/a><span class=\"sep\">\/<\/span><span class=\"here\">Credit &amp; mortgage dossiers<\/span><\/div>\n    <span class=\"eyebrow\">Banking \u00b7 Use case<\/span>\n    <h1>Capturing credit and mortgage dossiers automatically.<\/h1>\n    <p class=\"lede\">Salary certificates, tax returns, debt collection and land registry extracts arrive as a dossier of 20 to 200 pages. Parashift reads, classifies and structures every document inside it, so your credit team reviews instead of retypes.<\/p>\n    <div class=\"ctas\">\n      <a class=\"btn\" href=\"\/en\/demo\/\">Book a demo<\/a>\n      <a class=\"btn ghost\" href=\"\/en\/banking\/\">Parashift for banking<\/a>\n    <\/div>\n    <div class=\"microproof\">\n      <span><i class=\"dot\"><\/i> BaFin and FINMA outsourcing compliant<\/span>\n      <span><i class=\"dot\"><\/i> DORA \u00b7 MaRisk AT 9<\/span>\n      <span><i class=\"dot\"><\/i> C5 \u00b7 SOC 2 \u00b7 ISO 27001<\/span>\n    <\/div>\n    <\/div>\n    <div class=\"extractcard\">\n      <div class=\"ec-top\"><span class=\"ec-id\">Salary certificate \u00b7 page 4\/28<\/span><span class=\"ec-pill\">Classified automatically<\/span><\/div>\n      <div class=\"ec-body\">\n        <div class=\"ec-thumb\">\n          <svg width=\"60\" height=\"76\" viewBox=\"0 0 60 76\" fill=\"none\">\n            <path d=\"M6 2h32l14 14v58a2 2 0 0 1-2 2H6a2 2 0 0 1-2-2V4a2 2 0 0 1 2-2z\" fill=\"var(--bg-alt)\" stroke=\"var(--line)\" stroke-width=\"1.5\"\/>\n            <path d=\"M38 2v12a2 2 0 0 0 2 2h12\" fill=\"none\" stroke=\"var(--line)\" stroke-width=\"1.5\"\/>\n            <line x1=\"12\" y1=\"32\" x2=\"42\" y2=\"32\" stroke=\"#c7d0e0\" stroke-width=\"2.5\" stroke-linecap=\"round\"\/>\n            <line x1=\"12\" y1=\"41\" x2=\"42\" y2=\"41\" stroke=\"#c7d0e0\" stroke-width=\"2.5\" stroke-linecap=\"round\"\/>\n            <line x1=\"12\" y1=\"50\" x2=\"30\" y2=\"50\" stroke=\"#c7d0e0\" stroke-width=\"2.5\" stroke-linecap=\"round\"\/>\n            <line x1=\"12\" y1=\"60\" x2=\"36\" y2=\"60\" stroke=\"var(--brand)\" stroke-width=\"2.5\" stroke-linecap=\"round\"\/>\n          <\/svg>\n        <\/div>\n        <div class=\"ec-fields\">\n          <div class=\"ec-row\"><span>Employer<\/span><b>Sample Trading Ltd<\/b><\/div>\n          <div class=\"ec-row\"><span>Annual salary<\/span><b>CHF 118'400<\/b><\/div>\n          <div class=\"ec-row\"><span>Employment level<\/span><b>100%<\/b><\/div>\n          <div class=\"ec-row\"><span>Allowances<\/span><b>CHF 4'200<\/b><\/div>\n        <\/div>\n      <\/div>\n      <div class=\"ec-foot\">4 fields detected automatically<\/div>\n    <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<section class=\"trustband\">\n  <div class=\"wrap\">\n    <div class=\"trustlogos\">\n      <img decoding=\"async\" src=\"https:\/\/parashift.ai\/wp-content\/uploads\/2025\/11\/Raiffeisen-Logo-white.svg\" alt=\"Raiffeisen\">\n      <img decoding=\"async\" src=\"https:\/\/parashift.ai\/wp-content\/uploads\/2025\/11\/bw_logo_blkb.avif\" alt=\"BLKB\">\n      <img decoding=\"async\" src=\"https:\/\/parashift.ai\/wp-content\/uploads\/2025\/11\/bw_logo_jb.avif\" alt=\"Julius B\u00e4r\">\n      <img decoding=\"async\" src=\"https:\/\/parashift.ai\/wp-content\/uploads\/2025\/11\/bw_logo_swisscard.avif\" alt=\"Swisscard\">\n      <img decoding=\"async\" src=\"https:\/\/parashift.ai\/wp-content\/uploads\/2025\/11\/bw_logo_szkb.avif\" alt=\"Schwyzer Kantonalbank\">\n      <img decoding=\"async\" src=\"https:\/\/parashift.ai\/wp-content\/uploads\/2025\/11\/bw_logo_hbl.avif\" alt=\"Hypothekarbank Lenzburg\">\n      <img decoding=\"async\" src=\"https:\/\/parashift.ai\/wp-content\/uploads\/2025\/11\/bw_logo_llb.avif\" alt=\"LLB\">\n      <img decoding=\"async\" src=\"https:\/\/parashift.ai\/wp-content\/uploads\/2025\/11\/bw_logo_viac.avif\" alt=\"Viac\">\n    <\/div>\n  <\/div>\n<\/section>\n<\/div>\n\n<section>\n  <div class=\"wrap\">\n    <div class=\"section-head\">\n      <span class=\"eyebrow\">The process today<\/span>\n      <h2>One dossier, a dozen document types.<\/h2>\n    <\/div>\n    <p class=\"prozess-lead\">A credit or mortgage dossier bundles salary certificates, tax returns, debt collection extracts, land registry extracts, bank statements and valuation reports, often from different senders and in different formats. <strong>Case handlers key the relevant values in manually today<\/strong> into the core banking system, document by document, before the actual credit assessment even begins. That ties up capacity exactly where it is most expensive and measurably delays the credit decision.<\/p>\n  <\/div>\n<\/section>\n\n<section class=\"alt\">\n  <div class=\"wrap\">\n    <div class=\"section-head\">\n      <span class=\"eyebrow\">Document list<\/span>\n      <h2>What Parashift extracts from the dossier.<\/h2>\n      <p>Every document type is detected individually and structured with the fields that matter for the credit assessment, not as unstructured full text.<\/p>\n    <\/div>\n    <div class=\"doclist\">\n      <div class=\"doc\">\n        <h4><span class=\"dicon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"4\" y=\"3\" width=\"16\" height=\"18\" rx=\"1.5\"\/><path d=\"M8 8h8M8 12h8M8 16h5\"\/><\/svg><\/span>Salary certificate<\/h4>\n        <div class=\"fields\"><span>Employer<\/span><span>Annual salary<\/span><span>Allowances<\/span><span>Employment level<\/span><\/div>\n      <\/div>\n      <div class=\"doc\">\n        <h4><span class=\"dicon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M9 2v5\"\/><path d=\"M15 2v5\"\/><rect x=\"4\" y=\"4\" width=\"16\" height=\"17\" rx=\"1.5\"\/><path d=\"M8 14h8M8 17h5\"\/><\/svg><\/span>Tax return<\/h4>\n        <div class=\"fields\"><span>Taxable income<\/span><span>Assets<\/span><span>Marital status<\/span><\/div>\n      <\/div>\n      <div class=\"doc\">\n        <h4><span class=\"dicon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M9 12.5l2 2 4-4.5\"\/><\/svg><\/span>Debt collection extract<\/h4>\n        <div class=\"fields\"><span>Open proceedings<\/span><span>Certificates of loss<\/span><span>Issue date<\/span><\/div>\n      <\/div>\n      <div class=\"doc\">\n        <h4><span class=\"dicon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 21h18\"\/><path d=\"M5 21V9l7-5 7 5v12\"\/><path d=\"M10 21v-6h4v6\"\/><\/svg><\/span>Land registry extract<\/h4>\n        <div class=\"fields\"><span>Owner<\/span><span>Mortgage rights<\/span><span>Encumbrances<\/span><span>Area<\/span><\/div>\n      <\/div>\n      <div class=\"doc\">\n        <h4><span class=\"dicon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"4\" y=\"4\" width=\"16\" height=\"16\" rx=\"2\"\/><path d=\"M8 12h4M8 16h8\"\/><circle cx=\"9\" cy=\"8\" r=\"1\"\/><\/svg><\/span>Bank statements<\/h4>\n        <div class=\"fields\"><span>Balance<\/span><span>Incoming payments<\/span><span>Proof of assets<\/span><\/div>\n      <\/div>\n      <div class=\"doc\">\n        <h4><span class=\"dicon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 9l9-6 9 6\"\/><path d=\"M5 9v11h14V9\"\/><path d=\"M9 20v-6h6v6\"\/><\/svg><\/span>Valuation report and purchase agreement<\/h4>\n        <div class=\"fields\"><span>Market value<\/span><span>Purchase price<\/span><span>Property data<\/span><\/div>\n      <\/div>\n    <\/div>\n    <p style=\"margin-top:22px;font-size:13.5px;color:var(--ink-faint);\">Further document types such as powers of attorney, mortgage deeds, credit reports or insurance policies are detected and structured just as reliably.<\/p>\n  <\/div>\n<\/section>\n\n<section>\n  <div class=\"wrap\">\n    <div class=\"section-head\">\n      <span class=\"eyebrow\">Process<\/span>\n      <h2>From intake to credit decision.<\/h2>\n    <\/div>\n    <div class=\"flow\">\n      <div class=\"step\"><div class=\"n\">01 \u00b7 INTAKE<\/div><h4>Email, portal, scan<\/h4><p>The dossier arrives in any format and in any order.<\/p><\/div>\n      <div class=\"arrow\"><svg width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M5 12h14M13 6l6 6-6 6\"\/><\/svg><\/div>\n      <div class=\"step\"><div class=\"n\">02 \u00b7 CLASSIFICATION<\/div><h4>Document type per page<\/h4><p>Salary certificate, tax return, debt collection extract and the rest are detected individually and separated.<\/p><\/div>\n      <div class=\"arrow\"><svg width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M5 12h14M13 6l6 6-6 6\"\/><\/svg><\/div>\n      <div class=\"step\"><div class=\"n\">03 \u00b7 EXTRACTION<\/div><h4>Fields per document type<\/h4><p>The relevant values are captured in structured form and checked against master data.<\/p><\/div>\n      <div class=\"arrow\"><svg width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M5 12h14M13 6l6 6-6 6\"\/><\/svg><\/div>\n      <div class=\"step\"><div class=\"n\">04 \u00b7 HANDOVER<\/div><h4>Core banking system and credit assessment<\/h4><p>Structured data lands directly in the file, the credit assessment decides.<\/p><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"alt\">\n  <div class=\"wrap\">\n    <div class=\"section-head\">\n      <span class=\"eyebrow\">Target systems<\/span>\n      <h2>Fits into your lending processes.<\/h2>\n      <p>Low-code integration through documented REST APIs, with no replacement of the existing infrastructure.<\/p>\n    <\/div>\n    <div class=\"systems\">\n      <span>Avaloq<\/span><span>Finnova<\/span><span>Temenos<\/span><span>Finanz Informatik (OSPlus)<\/span><span>Atruvia (agree21)<\/span><span>CPB Tambas<\/span><span>In-house systems<\/span>\n    <\/div>\n    <p style=\"margin-top:28px;\" class=\"prozess-lead\"><strong>Compliance:<\/strong><\/p>\n    <div class=\"compliance-line\">\n      <span><i class=\"dot\"><\/i> BaFin and FINMA outsourcing guidelines<\/span>\n      <span><i class=\"dot\"><\/i> DORA, in force since 17 January 2025<\/span>\n      <span><i class=\"dot\"><\/i> MaRisk AT 9 outsourcing risk classification<\/span>\n      <span><i class=\"dot\"><\/i> C5 \u00b7 SOC 2 \u00b7 ISO 27001<\/span>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section>\n  <div class=\"wrap\">\n    <div class=\"section-head\">\n      <span class=\"eyebrow\">Impact<\/span>\n      <h2>What changes for your credit team.<\/h2>\n    <\/div>\n    <div class=\"effektband\">\n      <div class=\"effekt\"><div class=\"num\">70%<\/div><p>shorter handling time on average<\/p><span class=\"src\">Reference: Raiffeisen, from mortgage application to supplier invoice<\/span><\/div>\n      <div class=\"effekt\"><div class=\"num\">100%<\/div><p>of document-based banking use cases can be covered<\/p><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"alt\">\n  <div class=\"wrap\">\n    <div class=\"hubcard\">\n      <div>\n        <h3>One use case among many in banking.<\/h3>\n        <p>KYC and customer onboarding, the bank mailroom and payment orders follow the same principle: read, structure, hand over to the core banking system.<\/p>\n      <\/div>\n      <a class=\"btn ghost\" href=\"\/en\/banking\/\">All banking use cases \u2192<\/a>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"alt\"><div class=\"wrap\"><div class=\"section-head\"><span class=\"eyebrow\">Frequently asked<\/span><h2>Credit and mortgage dossiers, answered briefly.<\/h2><\/div><div class=\"faqlist\"><details class=\"qa\"><summary>What does a credit or mortgage dossier contain?<span class=\"qa-ic\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><path d=\"M6 9l6 6 6-6\"><\/path><\/svg><\/span><\/summary><div class=\"qa-a\">Typically a salary certificate, tax return and assessment, debt collection register extract, budget documents, bank statements, land registry extract, valuation report, purchase agreement and, for legal entities, commercial register extract and articles of association. Parashift detects the type per page and reads the fields per document type.<\/div><\/details><details class=\"qa\"><summary>How does the affordability calculation work with automatically read data?<span class=\"qa-ic\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><path d=\"M6 9l6 6 6-6\"><\/path><\/svg><\/span><\/summary><div class=\"qa-a\">The values needed for affordability come out of the documents in structured form: income from salary certificate and tax return, obligations from debt collection extract and bank statements, property values from valuation report and purchase agreement. Every field carries a confidence value, so it is clear which value may enter the calculation unchecked.<\/div><\/details><details class=\"qa\"><summary>Does this meet the creditworthiness assessment requirements of the Swiss Consumer Credit Act?<span class=\"qa-ic\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><path d=\"M6 9l6 6 6-6\"><\/path><\/svg><\/span><\/summary><div class=\"qa-a\">The processing supplies the data basis and logs per field where the value came from and how certain it is. Assessment and decision stay with the institution. The trail stands up to audit.<\/div><\/details><details class=\"qa\"><summary>Where are the dossiers processed?<span class=\"qa-ic\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><path d=\"M6 9l6 6 6-6\"><\/path><\/svg><\/span><\/summary><div class=\"qa-a\">In Switzerland, Germany or the EU, as processing on your behalf. A dedicated sovereign compliance zone is available for banks. Evidence: BSI C5 2020, ISO 27001, SOC 2 Type II.<\/div><\/details><details class=\"qa\"><summary>How does the data reach the core banking system?<span class=\"qa-ic\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><path d=\"M6 9l6 6 6-6\"><\/path><\/svg><\/span><\/summary><div class=\"qa-a\">Through a documented REST API or webhooks. What is handed over are structured, validated fields with their confidence value, not image files.<\/div><\/details><details class=\"qa\"><summary>How long does implementation take?<span class=\"qa-ic\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><path d=\"M6 9l6 6 6-6\"><\/path><\/svg><\/span><\/summary><div class=\"qa-a\">The document types of a dossier are preconfigured. Additions are made through versioned configuration within days, reviewable before activation and reversible.<\/div><\/details><\/div><\/div><\/section><section class=\"finalcta\">\n  <div class=\"wrap\">\n    <h2>Credit and mortgage dossiers, sovereign and audit-proof.<\/h2>\n    <p>Book a no-obligation 30-minute briefing: we will show you dossier processing on real sample documents.<\/p>\n    <div class=\"ctas\"><a class=\"btn\" href=\"\/en\/demo\/\">Book a 30-minute briefing<\/a>\n      <a class=\"btn ghost\" href=\"https:\/\/playground.parashift.io\/\" target=\"_blank\" rel=\"noopener\">Test it in the playground<\/a><\/div>\n    <p class=\"note\">Reply the same working day \u00b7 no sales pressure<\/p>\n  <\/div>\n<\/section>\n\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Service\",\"name\":\"Automated capture of credit and mortgage dossiers\",\"serviceType\":\"Automated document processing for credit and mortgage dossiers\",\"provider\":{\"@type\":\"Organization\",\"name\":\"Parashift\",\"url\":\"https:\/\/parashift.ai\"},\"audience\":{\"@type\":\"BusinessAudience\",\"audienceType\":\"Banks, lending institutions and mortgage providers\"},\"areaServed\":[\"Switzerland\",\"Germany\",\"Liechtenstein\"],\"description\":\"Parashift reads, classifies and structures credit and mortgage dossiers automatically, from salary certificates and tax returns to debt collection extracts, land registry extracts, bank statements and valuation reports, so credit teams review instead of retyping. 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