Xapii FAQ - Full customisation with Kayla Sommer

In this FAQ, Kayla Sommer—Senior Product Manager at Tiimely—explains how Xapii’s financial assessment engine is designed to be configured to your needs.

· Whether you're a lender with complex credit policies
· Just getting started and want best-practice defaults
· Or need full control over your assessment strategy

Xapii lets you configure without compromise.

Hear from Kayla on how we’ve built Xapii to meet the demands of modern lending—and why adaptability is a key enabler of better credit decisions.

Transcript:

Hi, I'm Kayla Sommer, Senior Product Manager at Tiimely. My role is to lead the vision and strategy for our financial assessment platform, Xapii. And I'm here to answer a few frequently asked questions.

Can Xapii be customised for different lenders or policies?

Yes. And that is one of the biggest advantages of Xapii. We make it easy to get started with a set of best practice defaults, and then work with you to tweak them to match your assessment strategy. From how you calculate serviceability to what counts as valid income evidence.

You can also choose a variety of plug and play data aggregation methods, defining which data sources to trust and in what order.

So whether you're strict, streamlined, or somewhere in between, we can tailor Xapii to fit your credit policy like a glove.

How does Xapii help with compliance and regulations?

Xapii is built with responsible lending and compliance at its core. Ensuring you meet your obligations.

Xapii applies your credit policy consistently, keeping a full digital audit trail, and automates checks on income, expenses and documentation, all while making sure nothing gets missed. It supports alignment also with key regulatory frameworks, including APRA’s prudential standards, the ACCC's consumer protection laws and national credit code enforced by ASIC.

Every decision is traceable, every exception is logged, giving you the confidence that you're not only fast, but compliant by design.

If you'd like to learn more about how Xapii can work for your business, reach out. We'd love to show you what's possible.