# Rekening Koran Converter - User Guide & Product Information

## What is Rekening Koran Converter?
Rekening Koran Converter (RekeningKoran.com) is an AI-powered tool designed to convert Indonesian bank statement PDFs into clean, editable Excel (XLSX) or CSV files. 

It solves the painful problem of manual data entry for finance teams, accountants, and business owners, reducing days of work into minutes with 99% accuracy.

## Why Use This Tool?
- **Save Time**: Stop manually typing thousands of transaction lines. What used to take days of data entry now takes minutes.
- **Eliminate Errors**: Human entry is prone to typos and calculation errors. Our AI ensures high fidelity to the original document.
- **Standardized Output**: Get a clean Excel file with separated columns for Date, Description, Debit, Credit, and Balance, ready for Pivot Tables or accounting software.
- **Stress-Free Closing**: Help finance teams close their books on time without overtime.

## Supported Banks
We support virtually all major banks in Indonesia, including State-Owned (Himbara), Private (Swasta), and Regional (BPD) banks.

### Himbara (State-Owned)
- Mandiri, BRI, BNI, BTN

### Bank Swasta (Private & Digital)
- **Major**: BCA, CIMB Niaga, Danamon, Permata, Maybank, Panin, OCBC, UOB, Mega, BTPN, DBS, HSBC.
- **Digital/Neo**: BCA Digital (Blu), Jenius (BTPN), Jago, SeaBank, Allo Bank, Aladin, Bank Saqu, Krom, Superbank, LINE Bank, Amar Bank, Motion Banking, BNC (Neo Commerce), Bank Raya.
- **Syariah**: BSI (Bank Syariah Indonesia), BCA Syariah, CIMB Niaga Syariah, Danamon Syariah, Panin Dubai Syariah, BTPN Syariah, Sinarmas Syariah, Bukopin Syariah, Mega Syariah, Victoria Syariah, Nanobank Syariah.
- **Other Private**: Sinarmas, Bukopin, Mandiri Taspen, J Trust, MNC Bank, Nobu, Artha Graha, Bumi Artha, Capital, Ganesha, INA, Index Selindo, Jasa Jakarta, Mas, Maspion, Mayapada, Mayora, Mestika, Resona Perdania, Sahabat Sampoerna, SMBC Indonesia, Victoria, Woori Saudara.
- **International/Joint**: ANZ, BNP Paribas, CCB Indonesia, Commonwealth, CTBC, hibank, IBK, ICBC, ING, KEB Hana, Mizuho, OK Bank, QNB, SBI Indonesia, Shinhan, Welab.

### Bank Daerah (BPD)
- DKI, BJB, BJB Syariah, Jatim, Jateng, DIY, Bali, Banten.
- Sumut, Nagari (Sumbar), Riau Kepri, Riau Kepri Syariah, Jambi, Sumsel Babel, Bengkulu, Lampung.
- Kalbar, Kalteng, Kalsel, Kaltim (Bankaltimtara).
- Sulselbar, Sulutgo, Sulteng, Sultra.
- NTB Syariah, NTT, Bali.
- Maluku Malut, Papua, Aceh.

## How It Works
1. **Upload**: Drag and drop your PDF bank statements (secured & encrypted).
2. **Process**: Our AI reads the document, identifying headers, dates, and transaction amounts intelligently.
3. **Download**: Get a formatted Excel file ready for use.

## Core Features
- **Smart Column Detection**: Automatically identifies and separates debits, credits, and balances even if the PDF layout varies.
- **Batch Processing**: Upload multiple files at once.
- **Privacy First**: Your financial data is encrypted. We do not store your bank statements permanently; they are auto-deleted after processing.
- **Pay-Per-Use**: Credit-based system (1 credit = 1 page). No monthly subscriptions required for casual users.

## Frequently Asked Questions (Use Cases)
- **"Can I use this for tax reporting?"** Yes, the output is accurate for preparing tax documents (SPT).
- **"Is my data safe?"** Yes. We use end-to-end encryption and strict data retention policies. We don't sell data.
- **"Does it handle scanned images?"** While optimized for digital PDFs, our OCR can handle high-quality scans.
- **"What if the format is messy?"** The AI is trained to handle various layouts, including multi-line descriptions and complex headers.

## Contact & Developer
- **Developer**: Adjie Purbojati
- **Twitter/X**: @purbojatie
- **Email**: support@rekeningkoran.com