Get the full financial picture, instantly
Deliver a better online customer experience, and process loans in minutes - not weeks.
Increase efficiency and approve more loans, faster. Big cost savings. More time.
XAI helps you make informed decisions confidently and consistently.
Make human decisions with the help of AI and understand your data with confidence.
XAI uses machine learning intelligence to identify all sources of income and expense across multiple accounts to give you an instant and complete picture of a customers’ financial commitments.
Easily update expense categories, and assign expenses a percentage of discretionary spending with an easy-to-use toggle.
XAI matches transaction data against credit policy rules and flags when credit policy rules have passed or failed. Its intelligent machine learning models understand unique patterns in the data to detect abnormal inactivity such as undisclosed accounts.
Classification coverage improvement from data aggregation.
Flags liability repayments across home loans, personal loans and credit cards.
Analyses income to determine true income by looking at the data from all sources.
Machine learning models detect undisclosed accounts from transaction data.
Automatically flag high-risk activities such as high-risk merchants, large cash withdrawals and adverse transactions.
Retrieve transaction data, add notes, and provide all the necessary risk documentation at the push of a button.
An instant and complete picture of a customers’ financial position. across income, expenses, assets, and liabilities.
Applies serviceability calculators via a set of APIs to determine the Net Surplus Ratio and borrowing capacity.
Optical Character Recognition (OCR). OCR converts different types of documents such as scanned paper documents into consumable data.
Whether you need an off-the-shelf solution or an API to plugin to your existing tech stack we work with you to grow your lending volumes.