Decide

Xapii Decide: AI-powered Credit Decisioning

Powerful, automated, and highly scalable exception-based underwriting platform built for lending, and beyond

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Outcomes

Automated decisioning built to scale

Simplify assessments, improve unit economics, and lower fulfilment costs

Powering over 70% of Australia's digital home loan segment
Trusted by Australia's largest banks and iconic brands to deliver innovative and seamless solutions for lenders and borrowers
8x reduction in application assessment time
Combine the benefits of automated collection and enrichment of your customer's income and expenses with exception-based underwriting for unrivalled efficiency and decreased cost of origination.
100+ policy rules checked
Configure your credit risk appetite and automate the assessment of 100s of policy rules.

Features

Best-in-class automated serviceability decisioning, powered by your data

Everything you want in a decisioning platform, and beyond

Data ingestion

One platform, numerous ways to ingest data

Take your data beyond basic categorisation and into AI-powered automated assessment for accurate results your team can engage with.

Xapii supports data aggregation, Open Banking, OCR, and BYO account and transaction data. Once your data is consolidated, it is digitised - ready for Xapii's rigorous and comprehensive enrichment process, unlike anything the industry has experienced.

Best-fit

Underwrite 'by exception' to scale the potential of your team

Let your team reclaim time to focus on high-value work by only requiring human-led decisioning when required. Xapii's human-in-the-loop approach informs automation, enabling continuous improvement of the AI, and maximum throughput for your team.

Assessment

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.

Interact with decision outputs via Xapii's APIs or user interface, or both.

Xapii serviceability and affordability assessment

End-to-end

End-to-end serviceability and affordability assessment

Xapii Decide supports 'long-lived' applications so you can continually update and assess your customer's situation as they progress through their credit journey, from the initial inquiry to approval to refinancing.

All decisions are fully-auditable, ensuring each assessment is transparent and traceable.

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 French
Chief Operating Officer, Up