We are XOASSA
The name XOASSA holds a deeper meaning, phonetically echoing the Chinese words 预测 (yùcè), which means "to predict" and 预言 (yùyán), which means "foretelling." This concept is at the heart of our mission. Founded in 2021 our company is built on a foundation of looking ahead, thinking forward. The discipline that drives us in our personal pursuits—the relentless push for another mile, the strategic planning for a long ascent—is the same one that fuels our work. We know what it takes to navigate a complex, demanding journey, to endure, to succeed and to fail.
Our mission is clear: to create solutions that truly make a difference. From a single vision, we’ve grown into a global team, united by our commitment to data-driven innovation and optimization. We bring the same strategic focus and determination to every project—whether designing advanced management systems, building custom digital platforms, or empowering communities in developing economies through access to finance. We also believe in using our expertise for good, partnering with non-profits to ensure that people everywhere can access the financial tools needed to invest in sustainable practices, build resilient local economies, and thrive in a rapidly changing world.
Where will the future take us?
We're thrilled to announce the upcoming expansion of our platform with more modules in development.
BIBi.HORIZON is a dynamic new tool for loss forecasting and stress testing, giving you the foresight to navigate any economic climate. It's the first step in a powerful lineup, followed by BIBi.GUARD, our robust solution for fraud and collections modeling that actively protects your portfolio.
These tools will all come together under BIBi.NEXUS, the central nervous system of our BIBi platform. NEXUS will provide a seamless, integrated experience that connects everything. For instance, when a new account is booked, your loss forecasts are instantly updated and your stress tests are immediately recast. It's an intelligent system that not only alerts you to set level breaches but also uses cutting-edge models to proactively highlight new opportunities and recommend the best actions to take.
We look forward to delivering these modules to you and empowering your financial strategy. We invite you to partner with XOASSA as we move forward and be among the first to take advantage of the complete Banking in a Box solution.
XOASSA Unveils BIBi.INSIGHT for Actionable Reporting
XOASSA is thrilled to announce the alpha launch of its second module: BIBi.INSIGHT.
This powerful reporting tool is designed to provide clear, actionable insights right from the start. BIBi.INSIGHT offers month-on-month portfolio reporting, a comprehensive Vintage Report spanning 78 elements (with the capacity to expand to over 200!), and a dynamic demographics report to give you a complete picture of your data. The value of this module is already clear, with one client remarking, "The new reporting module delivers incredibly valuable and actionable insights that drive smarter decisions."
This is just the beginning of our journey to integrate this powerful reporting suite into a full, seamless package. We invite you to watch this space for what's next!
Building the Core: XOASSA Acquires New Modeling Capabilities
While some talk about a future of "AI," we're focused on building genuine intelligence today. XOASSA has officially secured a deal to integrate cutting-edge Machine Learning and advanced optimization modeling into our platform. This significant milestone will bring our new module, BIBi.SCORE, to life behind the scenes. This module is set to redefine how you model, assess, and score your portfolio.
!!OMG - AMAZING PROFITABILITY!!
The results are in, and they are phenomenal.
Our clients are reporting an average 47% reduction in risk exposure while maintaining a stable revenue stream. This incredible performance proves that BIBi.SCORE is an undeniable success, delivering on its promise to drive smarter, more profitable decisions.
XOASSA Unveils BIBi.SCORE to Redefine Risk and Profitability
The wait is over. Today, we are proud to announce the official launch of BIBi.SCORE, a major new product poised to redefine financial modeling and portfolio growth.
BIBi.SCORE is our powerful solution for intelligent risk assessment and optimization. Built on our cutting-edge machine learning capabilities, it goes beyond traditional analytics to provide you with precise, data-driven scores that uncover hidden opportunities and accelerate profitable decisions.
This launch is more than just a new product—it’s a pivotal moment for our company. With BIBi.SCORE, we are set to establish a new standard in the market and empower our clients to achieve unprecedented levels of foresight and control.
Expansion into international markets
Expansion into international markets, with the opening of offices in South Africa and South America
The Blueprint for Better Decisions: Our New Modeling Suite
NEW Decision Models Deployed
We're thrilled to announce the deployment of our new suite of decision models. This foundational step will serve as the core of our modular system and marks a key milestone in the strategic build-out of BIBi.SCORE, which is now officially taking shape.
A New Beginning: The Incorporation of XOASSA LTD
On January 9th, we proudly announce the official incorporation of XOASSA LTD, marking the beginning of our journey.... well officially (again)
Launch of new product line
We are thrilled to announce a major expansion of our platform with the launch of a brand-new product line. This strategic move not only broadens our existing capabilities but also allows us to enter new markets and welcome a new segment of customers.
This new line of products is specifically designed to solve the unique challenges facing this customer segment, providing them with the innovative, data-driven solutions they need to thrive. This launch marks a significant step in our mission to bring powerful, effective financial technology to every corner of the industry.
Launch of first 'product'
We're proud to announce a significant milestone: the successful launch of our first solution. The initial feedback from our early adopters has been overwhelmingly positive, validating our vision and providing invaluable insights as we continue to build our complete platform. This initial success confirms we're on the right track and we can't wait to build on this momentum.
Founded to Solve for a Changing World
XOASSA began with a single vision: the belief that we could do things differently—revolutionise retail finance and reshape decision-making more broadly. From a small home office, we were driven by the conviction that technology could solve the industry’s most complex challenges.
Our mission is simple but powerful: to build intelligent, data-driven solutions that expand access to finance in developing markets. By empowering individuals and businesses with the right tools and insight, we enable investments in sustainable practices, foster resilient local economies, and help communities adapt to a rapidly changing world—paving the way for solutions to climate challenges and the evolving realities of post-work economies.