Before Xapii vs After Xapii: The Real Impact on Loan Assessment

In this part of our Xapii FAQ series, Andrew Bircher, Olivia Johnston and Jordan Manolopoulos from the Tiimely Credit Assessment team reflect on what it was like to assess credit applications before Xapii—and how much has changed since. From manual document checks to time-consuming income verification, they share firsthand how Xapii has transformed the way they work by automating key steps and surfacing high-quality insights in real time.

With Xapii Decide, affordability assessment is automated. Not only is it flexible, Xapii is easy to integrate with admin-heavy workflows now simple, efficient and saleable. Set your credit police rules and watch as Xapii cohesively evaluates applications. Xapii Decide offers many ways to ingest data into the platform, making decisioning simple, cost effective, and seamless.

With Tiimely, you're not on your own (see Generate Homes testimonial). Our assisted onboarding and seamless end-to-end implementation means you get customisation, data migration, technical support and training. Reach out for a demo today to discover why Tiimely's solutions are used by more than 70% of Australia's digital home loan segment.

Transcript

Hi. My name is Andrew. This is Liv and Jordan, we are credit assessors and we're here to answer some frequently asked questions about Xapii.

How did you assess loans before Xapii?

[Andrew] The main thing for me was just how many manual statements there were and just trying to sift through pages and pages and pages of statements and. Yeah, that was definitely the main thing for me.

[Jordan] The good thing about Xapii is it digitally validates income based off of salary credits. We can also screen scrape from statements. There's no longer a requirement to look through every single transaction we can filter to get that income.

It just brings a lot of stuff to the surface that we would have to look for previously.

[Liv] I haven't had to know anything but using Xapii.
But I did used to work on the other side of our home loans. And it did take a lot longer, for assessors to get through those.