Credit cards

Automate credit decisions, assess responsibly and approve confidently

Experience industry-leading affordability and serviceability automation capability

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Core capabilities

Accuracy and automation, built-in

Configured to your lending policy, combined with insights driven by your data.

Configurable credit checks
Integrate with some of Australia’s biggest and most trusted credit bureaus and configure hard and soft credit calls based on your business needs and policy requirements
Programmable risk appetite
Configurable regardless of your business and product lifecycle. Augment to build or to scale your credit card offering
Data source agnostic
Bring together disparate sources of data for real-time access to lending decisioning and actionable insights, so your team can act with confidence

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Download the Xapii Decide product overview

Automate lending decisioning to simplify assessments, improve unit economics, and lower fulfilment costs with Xapii Decide.

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Solutions

Componentised solutions so you can build, scale or transform with ease

Boost efficiency through exception-based serviceability assessments and decisioning

Decide

Automate with purpose

Lend in real-time based on validated customer financial position via Tiimely’s Data Consolidation and Enrichment capability
Augment for increased accuracy and alignment to your credit policy and actual customer affordability

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Fulfil

A faster, more compliant path to completion

Upload fully-decisioned assets directly to your balance sheet
Focus on business growth knowing your business is meeting auditing obligations

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Inform

Navigate confidently

Uncover segment opportunities with contextual and actionable insights across operations through to marketing
Maintain compliance with regulatory requirements whilst driving growth and innovation

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API

Easy to integrate

Tiimely’s solutions are built for scalable tech stacks. Our team have taken meticulous care to design APIs that can be integrated into your existing architecture and bring together all your data sources. Get a fuller picture of your customers' financial position so your team can act on lending decisions with confidence.

Xapii Core API
Calculator API
Product API

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Why partner with Tiimely

Data & expandable AI
Our platform harnesses the power of data & explainable AI to enable human in the loop automation throughout.
Seamless integration
Xapii slots into your existing tech stack and ingests data from Australia's most trusted sources.
API enabled
Our APIs offer extensibility & flexibility. When our partners integrate it leads
to higher customer engagement & lower operating costs.
Configurability
The platform's configurability & flexible design enable support for a wide range of use cases.
Componentisation
The platform’s modular approach to origination, ensures flexibility and efficiency in execution.
Resilience
Our platform proactively prevents, detects, recovers & responds to events that could disrupt business activities.
Info security & compliance
Info security & proactive monitoring of environmental controls enables compliance by design.
Quality engineering
Quality is reflected in the Platform through adherence to industry best practices & continuous improvement.