naviai Platform · Financial BI

XinBI

From data connection
to business decisions.

XinBI is enterprise-grade intelligent data infrastructure. AI-driven visual exploration, real-time alerts and fine-grained access control — visible, governed and traceable, and built for business at scale.

  • VisibleEvery metric, live
  • GovernedEvery row, permissioned
  • TraceableEvery number, explained
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Data sources, ready to connect
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Lines of SQL analysts need to write
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Interactive queries on billions of rows
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Chart types, plus AI-picked visuals
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Connect once · analyse everywhere

How XinBI works

One product, from the first connection to the final decision.

Most BI stacks stitch together a connector, a modelling tool, a dashboard tool and an alerting script. XinBI covers the whole path in one governed product — so the number on the CEO's phone is the same number the analyst built.

  1. 01

    Connect

    100+ connectors for databases, warehouses, data lakes, files and SaaS APIs. Query live or extract, with incremental sync.

    Direct queryExtractCDC
  2. 02

    Prepare & model

    Join, union, group and add calculated fields by drag and drop. A governed semantic layer defines every metric exactly once.

    Self-service datasetsMetric centre
  3. 03

    Explore

    Ask in plain language or drag and drop. 50+ chart types, drill-down, cross-filtering and ad-hoc analysis — no SQL.

    Ask XinBIDrill & linkPivot
  4. 04

    Monitor

    Real-time alerts on thresholds, trends and anomalies, with AI attribution that explains what moved the number.

    Anomaly detectionRoot cause
  5. 05

    Decide & act

    Dashboards, big screens, mobile, subscriptions and embedded analytics — insight delivered wherever decisions are made.

    SubscriptionsEmbedMobile

AI-driven visual exploration

Analysts ask. XinBI writes the SQL.

Type a business question in everyday language. XinBI maps it to governed metrics, builds the query, picks the right chart and explains what it sees — and shows its working, so anyone can check it.

Try a question

  • Grounded in your metric definitions, not guessed column names
  • Asks a clarifying question instead of guessing when a request is ambiguous
  • The same permissions apply to AI answers as to dashboards
  • Save any answer to a dashboard, or subscribe to it
xinbi://ask via naviai AI Gateway

Visible · Governed · Traceable

Data you can see, control and stand behind.

Speed is useless if nobody trusts the number. XinBI pairs fast exploration with the controls a regulated business needs.

VISIBLE

Real-time alerts that explain themselves

Watch any metric continuously. When it crosses a threshold, breaks trend or behaves unusually, XinBI notifies the owner within minutes — and tells them what drove the change.

  • Threshold, period-over-period and machine-learned anomaly rules on any metric and dimension
  • Freshness and pipeline-failure alerts, so nobody decides on stale numbers
  • Delivered to email, Slack, Microsoft Teams, WhatsApp, DingTalk, Lark or webhooks, with escalation
  • AI attribution points to the segments behind every spike
GOVERNED

Everyone sees exactly what they should

Permissions follow the data, not the dashboard. Define them once on the semantic layer and they apply everywhere — dashboards, AI answers, exports, APIs and embedded views.

  • Row-level policies by market, branch, product or any attribute, synced with your org chart
  • Column-level controls and dynamic masking for ID numbers, phone numbers and account data
  • SSO via SAML / OIDC, LDAP / AD sync and SCIM provisioning
  • Export approvals, watermarks and download limits for sensitive data
Same table · viewing as

TRACEABLE

Every number has a lineage and a paper trail

Click any figure to see where it came from — source tables, transformations, the metric definition and its owner. Every query, change, share and export is recorded, ready for internal audit and regulators.

  • End-to-end lineage from source column to dashboard tile, with impact analysis before any change
  • Versioned metric definitions with owners, approvals and change history
  • AI answers cite the metrics and the query they used — no black boxes
  • Tamper-evident audit log of access, queries and exports, streamed to your SIEM

Built for scale

Made for the size your business is heading to.

From one team's dashboard to thousands of users across markets, subsidiaries and currencies — on the same deployment, without re-platforming.

  • 10B+rows explored interactively, with MPP engines, extracts and smart caching
  • 10,000+concurrent users on one cluster, scaling out on Kubernetes
  • Multi-tenantisolated spaces for every business unit, subsidiary or market
  • AnywhereSaaS in Singapore, dedicated cloud or fully air-gapped on-premise

Query acceleration

Extract engine, materialised aggregates and result caching keep dashboards fast at peak hours.

Elastic, highly available

Stateless services scale horizontally; scheduled jobs and alerts fail over without missed runs.

Global from day one

Multilingual interface and AI, multi-currency metrics and time-zone-aware schedules across APAC and beyond.

Open and embeddable

REST API, JavaScript SDK and secure iframe embedding put analytics inside your CRM, portal or app.

Mobile and IM

Responsive dashboards, a mobile app and bots in Teams, Slack, DingTalk and Lark — ask and get answers on the go.

Big screens

Command-centre wallboards for risk, operations and collections floors, refreshed in real time.

Full capability map

Everything you expect from modern BI — with AI built in, not bolted on.

Feature-complete against the leading self-service BI suites, so switching to XinBI never means giving something up.

DATA

Data & preparation

  • 100+ connectors
  • Direct query and extract
  • Self-service data preparation
  • Scheduled and incremental sync
  • Data quality checks
ANALYSE

Analysis & visualisation

  • Drag-and-drop analysis
  • 50+ chart types and maps
  • Drill, cross-filter and jump
  • Pivot tables and ad-hoc queries
  • Spreadsheet-style reports
AI

XinBI Copilot

  • Natural-language Q&A
  • Automatic chart recommendation
  • Insights and root-cause attribution
  • AI-built dashboards
  • Briefings and report generation
SHARE

Distribution

  • Dashboards and big screens
  • Mobile app and IM bots
  • Scheduled subscriptions
  • Data portals
  • Embedding, API and export
GOVERN

Governance

  • Metric centre and semantic layer
  • Row and column permissions
  • Dynamic data masking
  • Lineage and impact analysis
  • Audit logs and watermarks

For every role

One source of truth. Four very different jobs.

ANALYSTS

Answers in minutes, not tickets

Build datasets, calculations and dashboards by drag and drop, or just ask. No SQL, no waiting on the data team.

BUSINESS

Self-serve, on any screen

Ask follow-up questions on mobile, subscribe to the numbers you own and get an AI briefing every Monday morning.

DATA & IT

Govern once, serve everyone

Define metrics and permissions in one place, see what's used and what breaks, and cut ad-hoc data requests.

LEADERSHIP

The business, live

A cockpit of the metrics that matter, alerts on what changed and plain-language explanations of why.

FINANCE

Pre-built for financial services

Metric packs and dashboard templates from a team that has run consumer and inclusive lending at scale. Start from proven definitions instead of a blank canvas.

Risk cockpit

Vintage curves, roll rates, DPD buckets and approval quality, with early-warning alerts by cohort and channel.

VintageRoll rateDPD30+PD / LGD

Acquisition & marketing

Funnel conversion, cost per approved loan and campaign ROI by channel — joined with Lingque CDP audiences.

CACFunnelROILTV

Collections

Contact and promise-to-pay rates, recovery by stage, strategy A/B results and agent performance.

PTPRecoveryCure rate

Operations & service

Service levels, handling time, complaint trends and AI quality-inspection results across every channel.

SLAAHTCSATComplaints

Finance & management

P&L, net interest margin, cost of risk and budget vs. actual across entities, markets and currencies.

NIMCoRP&LBudget

Regulatory & compliance

Regulatory return preparation, concentration limits and conduct metrics — every figure backed by lineage.

ReturnsLimitsConduct

Why XinBI

Familiar where it should be. Different where it matters.

Traditional self-service BI XinBI
Who can analysePeople who know SQL or the toolAnyone who can ask a question
Metric definitionsRebuilt in each report, numbers driftDefined once in a governed semantic layer
AIA chat box on top of chartsAI across querying, charting, attribution, alerting and briefings — grounded in governed metrics
AlertsStatic threshold emailsReal-time, anomaly-aware, with root-cause attribution
PermissionsConfigured per dashboardRow, column and masking policies that follow the data everywhere, AI answers included
AuditabilityLogin and view logsEnd-to-end lineage and a full audit of queries, AI answers and exports
Model choiceOne built-in model, vendor's cloudAny model through the naviai AI Gateway, including private models on-premise
Financial depthGeneric templatesRisk, collections and regulatory metric packs, built by lending practitioners
AI GATEWAY

Your models, your rules

XinBI's AI runs through the naviai AI Gateway: pick any model, mask sensitive fields before every call, and keep a full audit trail.

Learn more → PRIVATE

Runs inside your walls

Deploy XinBI fully on-premise, including air-gapped, with private models — no data leaves your network.

Learn more → AI FDE

Migration, done with you

Our engineers move your key reports, metrics and permission models across and train your analysts, one business line at a time.

Learn more →

Frequently asked questions

QDo analysts really not need SQL?

Right. Analysts build datasets, calculations and charts by drag and drop, or simply ask in plain language. Data engineers can still use SQL and Python where they prefer — both work on the same governed metrics.

QHow do you keep AI answers accurate?

XinBI answers from your semantic layer instead of guessing at column names. Every answer shows the metrics, filters and query it used; ambiguous questions get a clarifying question rather than a guess, and your team can add examples to improve accuracy over time.

QIs our data sent to a large language model?

Raw data isn't needed. The model works with metadata and metric definitions while results are computed in your own database. Sensitive fields are masked before any model call, and you can run entirely on private models inside your network.

QCan we migrate from our current BI tool?

Yes. XinBI connects to the same databases and warehouses, and our FDE team helps migrate key dashboards, datasets and permission models — usually starting with one business line and going live within weeks.

QHow is XinBI deployed and priced?

As SaaS hosted in Singapore, in a dedicated cloud, or fully on-premise including air-gapped. Pricing is per organisation, based on users and deployment model — talk to us for a quote.

See your own data in XinBI.

Bring one real question from your business. We'll connect a sample of your data and answer it live — no SQL required.

What a 45-minute demo covers

  1. Connect a sample dataset, live
  2. Ask your own business questions
  3. Set up an alert and a role-based view
  4. Walk through deployment and migration
Book a XinBI demo Talk to an engineer