AI-driven lending and data enrichment technology

Improve efficiency and credit quality. Choose from prebuilt modules that slot into your existing lending system or a full end-to-end digital home loan.

Who we work with

We enable banks, lenders, fintechs, and mortgage brokers to make the lending process faster, smarter and simpler.

There’s a smarter way to grow

Achieve true digital transformation, faster.

XAI Modular SaaS

Microservices to automate deep financial analysis and streamline assessment.

View XAI modules

Digital Home Loan Platform

An all-in-one white label digital home loan solution from apply to settlement.

Launch a digital home loan

Broker settlements calculated by value of Independent broker settlements value, divided by number of credit representatives, divided by Australian average loan size in FY20 for each month, divided by 12. Tina's settlements based on October 2021 approvals X80% conversion to settlement.

Scale lending volumes with Explainable AI

Let the tech do the heavy lifting so your teams’ expertise is focused on what can’t be automated. Machine guided credit decisioning enables more outcomes per assessor.

Meet XAI Validate

Launch your digital home loan in months, not years

Reduce your time to market and launch your digital home loan using platform technology built and proven in market by lenders.

Learn more

API

Easy to integrate

Tic:Toc’s solutions are built for open banking and scalable tech stacks. We have taken extreme care to design APIs that can be integrated with your existing architecture.

View our API docs

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

  • In-market solutions: Get cost-effective access to market-proven digital lending technologies.
  • 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.
Fintech Award

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

Fintech Award

Finnies
Fintech of the Year - Finalist 2020

Finder Award

Finder
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

Let’s talk about you

Whether you need an off-the-shelf solution or an API to plug and play with your existing tech stack, we work with you to create better customer experiences.