Xpert Decision Systems (XDS) is a South African information bureau. Through strong business practice, information technology skill, and experience we help organisations make smarter business decisions.

We believe in delivering innovative, user-friendly, and affordable information solutions and technology that can be trusted and tailored to your specific business needs.

Our locally developed solutions cater for all aspects of your customer’s credit life cycle, including marketing, application processing, scoring, fraud detection & prevention, account management and monitoring and tracing.

XDS is the first and only black owned Credit Bureau in South Africa. We are a level 2 empowerment contributor in terms of good practice on Broad Based Black Economic Empowerment as rated by Empowerdex.

Our Key Value Drivers

  • Specialised skills 
  • Data integrity, accuracy and detail 
  • Innovation and Technology 
  • Customisation and flexibility
  • World wide credit bureau experience 

Industry acknowledgement

XDS was awarded gold in the Large Business of the Year Category at the Roodepoort Chamber of Commerce and Industry (ROCCI) FNB Business of the Year Awards in 2012.Criteria for the award are based on sound business principles, the vision of the company’s future in the industry, the market place in which the company operates, as well as leadership.The judging panel was made up of independent entities from The South African Institute of Professional Accountants (SAIPA), First National Bank (FNB) and business partners.

“Motivation and exceptional customer service are the key elements to our success. We recognise that our staff members are the driving force behind our achievements and we are constantly providing training programmes for them to empower themselves and master their own career excellence. Winning this award and gaining recognition from ROCCI, is a tribute to the efforts of everyone in our company and I am very proud of this particular milestone in the growth of our business,” says XDS MD, Vivian Pather.

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