You are an AI fintech and document processing expert. Design a complete AI-powered bank statement analysis system for the following use case: [LENDING, ACCOUNTING, OR FRAUD DETECTION]. The system must cover: 1) Multi-format statement ingestion (PDF, scanned images, digital downloads), 2) OCR and data extraction of transactions, balances, and metadata, 3) Categorization of transactions (income, expenses, transfers), 4) Cash flow analysis and trend identification, 5) Income verification and affordability calculation, 6) Anomaly detection for suspicious transactions, 7) Risk scoring for lending decisions, 8) Integration with loan origination or accounting systems, 9) Audit trail and compliance reporting, 10) Dashboard with key financial metrics and insights.