XFIN AI
SME Game Changer

Less Ops. More Outcomes.

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Account opening AI

From KYC to Dashboard in Hours

Onboard SME customers same day, with a frictionless, automated, and compliant process that does not need human intervention.

OCR & Document Verification

Instantly reads IDs, business registrations, and utility bills for accuracy and legitimacy.

Biometric & Selfie Matching

Uses computer vision to verify identities and screen for liveness, reducing impersonation risk.

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KYC/AML Screening

Scans global watchlists, screens UBOs and business owners, and identify regulatory red flags.

Instant Onboarding Decision

Approvals delivered in real time based on multiple factors, allowing SMEs quick access to accounts.

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SME AI

Reimagine SME Convenience

Give SMEs a banking experience that feels effortless and smart.

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Collections AI

Automatically chase invoices; AI-driven payment reminders that save SMEs hours and boost cash flow.

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Cashflow AI

Real-time forecasting and recommendations helping SMEs anticipate needs and take timely action.

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Expense AI

Transactions are auto-categorized, receipts logged, and expenses tracked with zero friction.

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Personalisation aI

Personalise User Experience

Make every user interaction feel tailored, relevant, and proactive.

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Intelligent Customer Profiling

Anticipate SME needs from transaction and behavioral data to preemptively recommend the right products.

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Personalized Offers & Guidance

Suggest loans, tips or business tools - at the moment they’re most helpful - not just when asked.

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Contextual Support

Automated assistants guide SMEs through processes and resolve issues, adapting to their profile.

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Data AI

AI for Processing & Enriching Data.

Unlock the hidden value in every transaction.

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Data Extraction AI

Scans contracts, invoices, receipts and other documents; extracts key fields for various use cases.

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Data Enrichment AI

Transform messy financial data into clear, actionable information - for analytics, feeds, decisioning & others.

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Analytics AI

Deliver dashboards powered by real-time AI, surfacing trends, risks, customer segments, and insights.

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Credit AI

Decisioning with Alternate Data

Empower smarter, faster, and more inclusive lending by leveraging both traditional and non-traditional data sources.

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Alternate Data Integration

Analyze mobile money usage, utility payments, social media activity, digital transaction histories, etc.

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Dynamic Scoring Models

Tailors credit scoring for each SME by blending bank statements, POS sales, inventory cycles, and cashflow volatility with alternative indicators.

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Real-Time Decisioning

Instantly processes complex data for on-the-spot eligibility checks and approvals, minimizing manual review time.

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Document AI

Smart Document Processing

Deep analysis and extraction from complex financial documents.

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Data Extraction AI

Advanced OCR and ML read, digitize, and structure information from PDFs, images, and scans.

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Document Analyser AI

Extract, verify, and summarize data from bank statements, tax forms, invoices, compliance documents and more.

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Normalization AI

Standardize varied formats into one unified structure for easy downstream use in analytics, onboarding and more.

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Reconciliation AI

AI Matching and Learning

Transaction management using smart automation and machine learning to deliver unmatched speed and accuracy.

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Data Normalization

Standardize data across banks, payment gateways, ledgers, and external platforms for easy comparison.

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Matching & Anomaly

Reconcile transactions, flag mismatches, duplicates, and suspicious entries instantly, with high accuracy.

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Self-Learning Engine

Improves accuracy over time by learning from each matching outcome, correction and file format.

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Blog

News & articles

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Lead with AI

The SME economy is rising and this is your time to build the future of SME finance.
Our team is here to guide you - from first conversation to full launch.