Xpert Decision Systems -XDS- Pty Ltd

24/09/2026

At Mettus, we believe that different perspectives create richer insight, stronger connections and better possibilities.

Happy Heritage Day from all of us at Mettus. 🇿🇦

22/09/2026

Make speed your competitive advantage.

With AI built into XDS solutions, businesses can automate processes, improve efficiency and make faster, more consistent credit decisions.

Watch the full podcast episode to learn more: https://youtu.be/il2D6w0_rAs

Or listen on Spotify: https://creators.spotify.com/pod/profile/the-intelligence-collecti2/episodes/Inside-XDS-and-the-Solutions-Redefining-the-Credit-Bureau-e3nvd1o/a-acrkocn

14/09/2026

The signs of financial stress often appear long before a consumer defaults. Q2 credit data shows just how much pressure South Africans are carrying.

Siva Dhever recently described default as the last domino to fall, not the first in his thought leadership piece: https://mettus.co.za/news/salaried-south-africa-is-missing-its-payments/, and the latest Eighty20/XDS Credit Stress Report puts that observation into perspective.

In Q2 2026, 19.7 million loans were in arrears, while overdue balances reached R233.2 billion, up by 9.2% year-on-year.

Are lenders identifying financial stress early enough?

Download the Eighty20/XDS Credit Stress Report Q2 2026: https://eighty20.co.za/credit-stress-report/

09/09/2026

Traditional credit data can tell you a lot about a client. But what happens when there isn’t enough data to tell the full story?

For consumers with thin credit files, XDS draws on technology and broader data sets available across the Mettus Group, including non-credit data such as qualification information, to help build a more informed view of an applicant.

It means giving credit granters more information to work with when traditional bureau data alone may not be enough.

Watch George Papadimas unpack how XDS is evolving what a credit bureau can offer: https://youtu.be/il2D6w0_rAs?si=Y0gWIOH3r7b6qAOK

02/09/2026

XDS is at the NSBC Africa small business conference today. Visit stand number B45 to get your free business diagnostic and know where your business really stands.

XDS, more than just credit. In association with Mettus and Managed Integrity Evaluation - MIE.

01/09/2026

Today, we celebrate 27 years of XDS. 27 years of resilience, evolution, and creating value for our clients.

Since 1999, the world around us has changed significantly. Markets have shifted, technology has advanced, and the way businesses use data has transformed. Through it all, XDS has continued to evolve, adapt and move forward.

Today, we celebrate how far we have come, the clients and partners who have been part of our journey, and the experience we have built along the way.

Watch our recent podcast episode to learn more about where XDS is now: https://youtu.be/il2D6w0_rAs

28/08/2026

According to Siva Dhever, BNPL may have little impact if you already have established credit, but when you miss a payment, your credit score could take a significant knock.

Read more as Maya Fisher-French, News24 columnist, unpacks Siva’s insights and more on BNPL and your credit score: https://www.news24.com/business/money/money-questions-answered-how-buy-now-pay-later-will-affect-your-credit-score-20260822-0698 or read on Mettus: https://mettus.co.za/news/how-buy-now-pay-later-affects-your-credit-score/

The upside is that for people with no credit history, using BNPL with regular payments will help build their credit score.

09/08/2026

Today, we are celebrating the strength, insight, and drive of the women who move XDS forward, every day!

03/08/2026

Unsecured credit has grown to R408.7 billion, but overdue balances have surged by almost 80% in just one year, reaching R88.9 billion.

Financial distress is not limited to low-income households. The data shows that it is increasingly affecting salaried South Africans with stable incomes, debit orders and careers.

Siva Dhever breaks it down: https://mettus.co.za/news/salaried-south-africa-is-missing-its-payments/

21/07/2026

What tells you more about credit risk, owning property or having a qualification?

According to XDS credit bureau data (May 2024 – April 2025), the answer is both. Consumers with neither property nor a qualification recorded the highest default rate at 42%.

Interestingly, consumers who own property but don't hold a degree (23%) and those who hold a degree but don't own property (22%) perform almost identically.

This suggests that property ownership carries nearly the same predictive value as tertiary education when assessing credit risk.

The lowest default rate? Just 11% among consumers with both a degree and a property.

These are the kinds of insights that help lenders and retailers make more informed credit decisions.

Talk to XDS about how our credit bureau data can strengthen your decision-making.