What our clients say
Up and Tiimely are very aligned on the need for a balance of automation and great support experiences that have a real person involved. Having fast, self-serving experiences and efficient processes is extremely important to us.
Justin Frech
Chief Operating Officer, Up

One platform, numerous ways to ingest data
Xapii supports CDR Open Banking, common data aggregation providers, statement OCR, BYO account and transaction data.
Agnostic ingestion via UI or API.
Enriched, ready for assessment
Following automated data consolidation and digitisation, data is enriched with 7+ years and millions of transaction data points, ready for Xapii’s automated assessment.
Interact with outputs
Enable your team to interact with the enriched outputs, and let Xapii machine learning reduce the need for manual validation in like future scenarios.

Data Enrichment Approach
Deliver powerful enrichment of data beyond categorisation
There is always a need for users to interact with the data and recategorise where necessary. Xapii identifies and flags income types and sources, expense types, adverse transactions, arrears behaviour, undisclosed accounts and much more to give you the full picture.

Decisioning approach
Combine the power of automation with the wisdom of ‘human-in-the-loop’
Combine the power of an applicant’s fully automated and validated financial position and serviceability calculations to unlock precision decisioning outputs. With Xapii’s exception-based underwriting and custom serviceability configurations, your team can assess based on declared, detected and validated financials to unlock accurate affordability and serviceability outcomes
Automated Serviceability Assessment and Decisioning
Remove operational bottlenecks with Xapii's fully configurable serviceability engine to structure, version and scale your lending automation.Explore Automated Serviceability
Lending Document Automation and OCR
Give your assessors back time, and get faster answers for your customers with Xapii's comprehensive document digitisation capability.Explore Lending Document Automation and OCR