Xapii FAQ - Automating tasks and processes

Manual assessment is time-consuming, repetitive, and leaves room for error. What if you could automate the heavy lifting—without losing control?

In this FAQ, Anthony Obst (Customer Solutions & Implementation Manager at Tiimely) explains how Xapii makes serviceability automation smarter. From ingesting and standardising any trusted data source, to enriching and categorising transactions, comparing customer-declared vs actual financials, and applying digitised credit policy rules, Xapii enables exception-based underwriting that lets you focus only where human oversight is truly needed.

And it’s not just for home loans. Whether it’s auto finance, consumer lending, BNPL, or even insurance claims, Xapii helps you quickly and reliably determine income, expenses, and overall financial position.

If you’re looking to streamline assessments while improving accuracy and consistency, this video is a must-watch.

Transcript

Welcome to this FAQ on everything Xapii.

Hi, I'm Anthony Obst, Customer Solutions and Implementation Manager here at Tiimely.

How does Xapii help with automating tasks or processes?

So Xapii helps in a number of ways.
It will take a data source agnostic approach. So if you trust the data and you can ingest it into Xapii, Xapii will then take that data, make it look uniform so it's easy to read. It will do enrichment. It will do categorisation. It will start looking for what did the customer declare versus what was actually found in the data. And then it will apply a set of business rules or basically a digitised credit policy that can then determine the level of automation that you can get from this customer's application. And we call it exception based underwriting,

Is Xapii just for home loans?

Great question. Xapii is not just for home loans. Xapii is fantastic for home loans. And whilst that was where we started our journey, we're definitely evolving now into different segments of the markets like auto finance or consumer lending. Buy now, pay later, could be also things like insurance claims for worker's compensation. Anywhere where you need to determine what is someone's income, how much do they spend each month, or get an overall financial position of a individual, Xapii is able to do that for you.

What are the key features of the Xapii platform?

Xapii’s able to take a trusted data source and detect all sorts of information on it, from salary to expenses and then it will have a look at what was declared by the customer, then what was detected in the actuals, and then what of that can go through a credit policy digitisation process and then be used directly into serviceability.

What that does is that gives you all the heavy lifting of the assessment process done by automation. And so you only need to focus on what was not being able to be validated by the platform or what was potentially outside of the tolerances that you have configured for Xapii to look for.

If you want more information head to our website tiimely.com where you can register for a demo. Or if you like, just reach out to me directly on LinkedIn.

I look forward to seeing you again soon. Bye for now.