Our tech is trusted by:
Automated financial assessment built to scale
Simplify assessments, improve unit economics, and lower fulfilment costs.
70%
Of the digital home loan segment is powered by Xapii including Australia's largest banks and brands
8x
Reduction in financial assessment time with automated data collection and decisioning
100+
Rules configured to your policy and automatically checked according to your risk appetite
See it in action
Best-in-class automated financial assessment
Combine the benefits of automated collection and enrichment of your customer's financial data with configurable underwriting and decisioning for improved customer experiences, unrivalled efficiency, and decreased cost of origination.
End-to-end
Automated serviceability and financial assessment
Automate serviceability decisions by connecting to your systems through API integration, applying business rules with seamless no-code workflows, and analysing financial data to deliver fast, accurate results with clear insights.
Data ingestion & Enrichment
All data sources, one platform
Using bank statements, Open Banking, direct account data, payslip or CCR, Xapii automatically processes, verifies, and enriches financial information in seconds.
With 10 years of model training and millions of transaction data points Xapii is the leading financial assessment platform.
Human-in-the-loop Underwriting
Scale your team's potential with exception-based underwriting
Xapii's human-in-the-loop approach lets your team focus on high-value work by automating routine decisioning and requiring intervention only when needed. This enables continuous AI improvement and maximum throughput, allowing you to scale by exception.
Fraud detection and verification
Stay ahead with AI-powered fraud detection
Embedded AI fights fraud with comprehensive financial insights and document detection. The platform performs 100+ document fraud checks in seconds, validates ABNs, BSBs, and barcodes, and automatically detects suspicious claim patterns to protect your business.
Configurable to your business rules
Control the assessment process
Xapii's highly configurable and parameterised features allow you to configure to your chosen level of risk across multiple policy and risk tolerance rules and settings.
Security and Encryption
Bank-level security and encryption
We are SOC2 compliant, ISO certified, have embedded digital compliance and are CDR and ADR accredited.
