Xpert Decision Systems -XDS- Pty Ltd

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.

18/07/2026

Today, we celebrate the legacy of Nelson Mandela by recognising the power of integrity, opportunity and service.

Here's to making every act of kindness count.

Happy Nelson Mandela Day.

16/07/2026

Your credit profile could be influencing your next credit application without you even knowing it.

The truth is, many people have never checked their credit profile or don't fully understand what the information on it means. That's why Splendi sat down to unpack it all.

In this episode, the Splendi team explains how your credit profile works, what your credit score actually tells lenders, and what to do if you spot incorrect information on your report, and more.

Watch the full conversation and subscribe to Splendi: https://youtu.be/ha3R6-E7568

13/07/2026

Follow our consumer platform, Splendi for credit education, disputes, and more.

19/06/2026

Historically, lending decisions relied heavily on income, expenses, credit history, and bank account activity.

Today's lenders are increasingly looking for broader indicators of financial resilience and future earning potential, especially in uncertain economic conditions.

Read further on this: https://mettus.co.za/news/why-lenders-are-looking-beyond-payslips-and-bank-statements/

Qualification data is a good example. While educational achievement may provide useful insight into employability and future earning potential, that insight is only meaningful if the information can be trusted.

16/06/2026

Empowering young people starts with access to opportunities, knowledge, and the right information to make informed decisions about their futures.

Happy Youth Day!

01/06/2026

Data across the globe indicates that AI growth is set to significantly increase fraud risk in 2026 and beyond.

• AI is making scams more convincing, scalable, and harder to detect
• Deepfakes and impersonation tactics are becoming alarmingly accurate
• Fraud is shifting from high-volume to high-precision attacks
• The cost of a single incident is rising, fast

Businesses that invest in innovation without investing in protection are leaving critical gaps exposed.

The future isn’t innovation or security but both.

As fraud evolves, so should your ability to detect, prevent, and respond in real time.

21/05/2026

In 2025, fraud became more sophisticated, more scalable, and more profitable per incident, largely driven by AI and organised networks.

AI-enabled fraud (deepfakes, impersonation, automated scams) became:
• 4.5× more profitable than traditional scams

There was a massive spike in impersonation scams:
• +1,400% growth YoY

Businesses globally lost nearly:
• 8% of revenue to fraud (up significantly from 2024)

How are you protecting your business from fraud?