The market moves fast, so can you

XAI Validate - the solution powering smarter and faster lending decisions. Built for banks, lenders, brokers and Fintech. Get ready for open banking.

Tic:Toc Enterprise Screen

Accelerate, automate and
standardise your lending process with XAI

Happy customers

Happy customers

Deliver a better online customer experience, and process loans in minutes - not weeks.

Faster lending decisions

Faster lending decisions

Increase efficiency and approve more loans, faster. Big cost savings. More time.

Make smarter credit decisions

Make smarter credit decisions

XAI helps you make informed decisions confidently and consistently.

Powered by AI

Powered by AI

Make human decisions with the help of AI and understand your data with confidence.


Built to handle simple
and complex loan applications

Interact with your data the way you need to

Get an accurate picture of your customers' financial position, the first time. Whether you need to approve a simple personal loan or handle a home loan with multiple applicants.

  • Simple personal loans: Export transaction data summaries, add notes, and create an assessment summary.
  • Dig deeper: See high-risk activities, update expense categories, add notes, and update discretionary and non-discretionary transactions.
  • Complex home loans: Built by lenders for lenders. Move to an automated home loan process built by a tech company, with the experience of a bank.
XAI Validate application dashboard screen

Machine learning intelligence

XAI understands patterns and learns from your feedback and decisions. XAI's categorisation accuracy rate increases with every use.

  • Automated income and expense validation: Let our technology take away the bulk of the manual process and allow assessors to underwrite by exception.
  • Flag high-risk activities and undisclosed accounts: We believe credit assessors should be asking questions and not searching through paper bank statements.
  • Get the full financial picture: Our machine learning models detect customer behaviour and spending patterns, giving you more reliable transaction data including expense categorisation and sources of income.
Machine learning AI using expenses screen

Seamless integration

We are built for open banking and creating tech stacks for faster, smarter, and better integrations. You don’t need to rebuild everything. XAI was made to be flexible.

  • Choose your user experience: Plugin to your existing tech stack with our API or use our platform for a simple customer onboarding experience.
  • Digitised financial assessment: Grow your lending volumes without compromising on credit quality, with XAI’s inbuilt lending models. Structure your financial assessment the way you need it.
  • Connect the data your way: Connect your data the way you choose, whether it’s through a popular data aggregator or your own data.
Financial validation application transactions view
Financial validation application graphic XAI

Simple integration via our APIs or SaaS web application

Tic:Toc is a technology company creating solutions to make processes faster, smarter and simpler

XAI was built by lenders for lenders, so you can move as fast as a fintech.

  • Open banking solutions: We help lenders look to the future of open banking. We handle all the technical integrations, with the added banking expertise.
  • Create efficiencies and reduce cost: Automated processes enable more lending outcomes with fewer staff.
  • Responsible lending: We help you keep compliant efficiently and give you the full picture of your customers’ financial position.
Tic:Toc Home Loans graphic
Fintech Award

5th Annual Australian FinTech Awards
Best Use of AI in Fintech 2020

Fintech Award

Fintech of the Year - Finalist 2020

Finder Award

Best B2B Innovation - Finalist 2020

Mozo Award

MOZO’s Expert Choice
Home Loan innovation Award 2018

MuleSoft Award

MuleSoft Tech innovator
Most Innovative New Product or Service

EMFA Award

EFMA & Accenture
Distribution and Marketing Innovation Awards – Standout

KPMG Award

KPMG & H2 Ventures
Fintech Hottest 100 – Emerging 50 - Finalist 2017

Fintech Award

Fintech Business Awards
Fintech Start-up Business of the Year – Finalist 2018