LIXI

Contents

History of LIXI
LIXI products and services
Company culture and values
About CEO Shane Rigby and key people
The future at LIXI

Office address: c/o Stone & Chalk Tech Central, Level 1/477 Pitt St, Haymarket, NSW 2000
Website: lixi.org.au
Year established: 2000
Company type: financial services
Employees: 20+
Expertise: mortgage data standards, digital process automation, industry collaboration, XML schema development, interoperability solutions, compliance support, workflow integration, property valuation data, loan application data exchange
Parent company: N/A
Key people: Shane Rigby (CEO), Mike Thanos (chair), James Pitt (chief customer officer), John Matthews (technical lead), Louise Harper (operations manager)
Financing status: N/A

LIXI stands for Lending Industry XML Initiative and leads B2B digital data standards in Australian lending. The group develops XML and JSON standards to help the mortgage industry share information and solve common issues. It also brings the sector together to improve technology and customer service.

History of LIXI

LIXI began in 2000 when Mike Thanos, John Grant and Barry Thomas saw a need for better B2B information exchange in Australia’s lending sector. They set out to create a group that would help the industry work together and share data more easily. Over the years, it has become the main guardian of lending data standards and the intellectual property contributed by its members.

In 2008, LIXI worked with National ICT Australia to launch Visible Loans. This tool lets lenders and brokers share up-to-date loan product information instantly, moving away from slow, manual updates. Visible Loans was a first for Australia and marked a big step in digital lending.

Its LIXI2 standards now offer both JSON and XML options, making it easier for companies to automate parts of their software development. The group has grown to over 150 members, including lenders, broker groups, mortgage insurers, service providers and industry associations.

The company regularly holds forums to help the industry keep up with new technology and share ideas. In 2025, the LIXI Forum focused on modern LIXI2 integrations and AI success stories, with sessions on messaging architecture and AI in lending. These events show its ongoing role in shaping the future of Australia’s lending industry.

LIXI products and services

The company offers a range of digital tools and standards to support the lending industry. Here are some of the key offerings:

Digital tools and standards

documentation: guides explain LIXI2 data standards for digital mortgage processes
sample messages: library provides examples for testing integrations and compliance
XML to JSON Converter: tool converts LIXI2 XML files to JSON format
rules library: business rules automate and streamline lending workflows
Python Package: users process LIXI2 messages in XML or JSON using Python
tutorials: step-by-step guides cover LIXI2 entities and real application cases
LIXI Validator: tool checks LIXI2 packages for XML, JSON or Schematron compliance
schema customisation: tools let users tailor LIXI2 schemas for business needs
auto code generators: tools create code libraries from LIXI2 schemas in Java, C# or Python
LIXI2 OpenAPI Demo: API demo template helps build and test APIs with LIXI2 standards

Training, events and industry engagement

LIXI training: courses and online demos teach LIXI standards and tools
LIXI Forum: annual event shares technical updates and best practices
LIXI Roundtables and Conversation Series: events offer industry networking and education
LIXI AGM: annual meeting lets members review progress and access reports

Core standards and modules

A/C Creation for AU (ACC)
Credit Apps for AU (CAL)
Credit Decisioning (CDA)
Docs and Settlement (DAS)
Mortgage Insurance (LMI)
Valuations (VAL)

These modules support everything from account creation and credit decisioning to property valuations and settlements. LIXI’s products and services are designed to make digital lending easier, more accurate and more efficient for the entire Australian and New Zealand lending industry.

Company culture and values

Chairperson Mike Thanos described LIXI as a firm that values an open and collaborative environment where people discuss the future of lending. The company brings together industry professionals to share ideas and solve challenges.

Staff and members benefit from strong connections and exposure to different parts of the industry. It also values:

uncovering challenges faced by industry participants
rewarding collaboration in non-competitive areas
enriching members through networking opportunities

LIXI’s culture rewards teamwork and encourages new ideas for progress. People in the company admire the calibre of their peers and value the chance to work on solutions that help the whole industry.

About CEO Shane Rigby and key people

Shane Rigby leads the company as its CEO, guiding its technology vision. He became CEO in June 2017 after joining as chief technology officer in 2015. Before this, Rigby worked in banking and financial technology, including roles as a business analyst, developer and program leader at a global bank.

LIXI’s team guides the company’s standards development, industry partnerships and daily operations:

Mike Thanos chairs the LIXI Board of Directors, co-founded IDS and LTX and drives industry technology solutions
James Pitt serves as chief customer officer and brings a decade of industry relationships and broad lending experience
John Matthews is technical lead, connects LIXI with UTS for research and innovation
Louise Harper manages operations; he holds degrees in business and IT service management

The team has strong support from a broad base of members across the lending industry. The team uses modern development practices to drive improvements and deliver real outcomes.