International Journal on Science and Technology

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Call for Paper Volume 16 Issue 4 October-December 2025 Submit your research before last 3 days of December to publish your research paper in the issue of October-December.
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Volume 16 Issue 4
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SMARTFORM: Intelligent OCR System for Digital Banking Automation

Author(s) Miss C Sona Vijayan, Dr. Madhumita K
Country India
Abstract This paper describes SMARTFORM, a
web portal-based tool for automating bank form
processing with Optical Character Recognition
(OCR). The system includes a Flask backend that
allows secure login/registration, digital form
submission and automatic handwriting/print text
extraction using the Mistral AI OCR API. Data is
extracted, verified using a PIN based scheme
before it is integrated to guarantee accuracy and
security. We compare traditional OCR models like
Tesseract and transformer-based models like
Donut and LayoutLMv3 on structured and semi-
structured documents. Performance is evaluated
through Character Error Rate (CER), Word Error
Rate (WER), F1-score, BLEU and qualitative
visualization. Results show that while Tesseract's
performance with pre-processing is good,
transformer models are able to perform better
context and entity recognition but are prone to
overfitting. Overall, the trade-offs between
classical and modern OCR are demonstrated with
hybrid methods that incorporate adaptive pre-
processing providing an optimal trade-off between
accuracy, generalization, and computational
efficiency for digital banking automation tasks.
Keywords Optical Character Recognition, Digital Banking, SMARTFORM, Transformer-based OCR, Tesseract, Hybrid Approach, Automated Form Processing
Field Computer > Artificial Intelligence / Simulation / Virtual Reality
Published In Volume 16, Issue 4, October-December 2025
Published On 2025-11-05
DOI https://doi.org/10.71097/IJSAT.v16.i4.9038
Short DOI https://doi.org/g99qnb
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