01 — BlogNotes from the team

Blog.

How lenders assess credit in emerging markets, and the documents behind every decision. From the team building Kita.

TechMay 2026

Reconstructing Financial Evidence from Degraded Documents

Most OCR systems are optimized for clean enterprise documents. Real-world underwriting depends on photographed receipts, compressed bank statements, and faded invoices. How recognition-guided diffusion models recover financial evidence that traditional pipelines cannot.

14 min readRead

Community LendingMay 2026

Why CDFI Underwriting Is Still Incredibly Manual

Most lending infrastructure assumes structured documents. CDFIs and credit unions deal with the opposite — fragmented records, inconsistent formats, and borrowers that legacy systems were never built to serve. Here is why that matters and what is changing.

12 min readRead