Data Consolidation and Enrichment

Streamline your lending affordability capabilities with Xapii's unique data collection and enrichment model

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 collection sources

Collect data at every point of the journey

Xapii’s proprietary data model is purpose-built to deliver affordability and serviceability decisions. Retrieve data on behalf of consumers, provide secure document upload links, and manage integrations with third parties

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.

Data Detection Approach

Leverage your Xapii-enriched data for seamless automated results

Quickly understand an applicant's income and expense regularity, debt balances, repayment schedules, one-off transactions and more, and assess with confidence.

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

Proven tech