Get the full financial picture, instantly

Financial validation software to automate deep financial analysis and streamline assessment.

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.

Accelerate and automate your assessment process

Automate your manual loan process and work on the exceptions that matter.

Expense categorisation

Classification coverage improvement from data aggregation.

Flag liabilities

Flags liability repayments across home loans, personal loans and credit cards.

Income validation

Analyses income to determine true income by looking at the data from all sources.

Undisclosed accounts

Machine learning models detect undisclosed accounts from transaction data.

High-Risk flags

Automatically flag high-risk activities such as high-risk merchants, large cash withdrawals and adverse transactions.

Complete audit trail

Retrieve transaction data, add notes, and provide all the necessary risk documentation at the push of a button.

XAI Modules

Scaleable microservices to slot into your existing lending system.


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.

Coming soon


Optical Character Recognition (OCR). OCR converts different types of documents such as scanned paper documents into consumable data.

Get Started with XAI Validate

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.