Question 1

What is youX?

Accepted Answer

youX is a finance infrastructure platform designed for dealerships, brokers, lenders, OEMs and marketplaces.It connects lead capture, application processing, fulfilment and integrations into one ecosystem — helping businesses move from enquiry to settlement faster.

Question 2

Who is youX built for?

Accepted Answer

youX supports a range of participants across the asset finance ecosystem including dealerships, asset finance brokers, aggregators, OEMs, marketplaces and lenders.Each group can use different parts of the platform depending on their needs.

Question 3

What products are included in the youX ecosystem?

Accepted Answer

The platform currently includes four core components:manage – the core operating system used to manage deals and finance workflowsapply – a modular finance journey for digital applications and lead capturelodge – fulfilment services for structuring and submitting dealsconnect – the integration layer linking systems, partners and dataTogether these products support the journey from lead capture through to settlement.

Question 4

What is youX manage?

Accepted Answer

manage is the central platform used to run finance operations.It allows teams to capture leads, structure deals, submit applications to lenders, manage documentation and track deals through to settlement.manage also includes reporting and insights that help businesses understand performance and improve finance penetration.

Question 5

What is youX apply?

Accepted Answer

apply is a modular finance journey that can be embedded into websites, vehicle listings or marketing campaigns.It allows customers to start their finance journey online and submit an application directly into the platform — with each step of the journey configurable to suit different business models.Businesses can customise and brand the experience so it aligns with their own website and customer journey.

Question 6

What is youX lodge?

Accepted Answer

lodge is the fulfilment engine behind the platform.When a dealership, broker or partner does not have the time or internal resources to run the deal themselves, lodge can step in to structure the deal, submit applications to lenders and manage the process through to settlement.

Question 7

What is youX connect?

Accepted Answer

connect is the integration layer that links the platform with external systems and partners.It enables integrations with dealer management systems, CRMs, accounting platforms, lender APIs and marketplaces.This helps automate workflows and ensures information flows smoothly between systems.

Question 8

Can youX be white-labelled?

Accepted Answer

Yes. The platform is designed to operate under your own brand across customer-facing touchpoints.This includes the modular finance journey (apply), documentation, and communications — so the experience feels native to your business.

Question 9

What integrations does youX support?

Accepted Answer

youX connects with a range of external platforms including dealer management systems (DMS), CRMs, accounting tools, lender APIs and third-party marketplaces.The connect product handles these integrations and can be configured based on the systems your business already uses.

Question 10

How long does it take to get set up?

Accepted Answer

Setup timelines depend on the size of the business and the level of customisation required.For most businesses, onboarding can be completed within a few weeks — including configuration, branding, integration setup and training.

Question 11

Can I see a demo of the platform?

Accepted Answer

Yes. You can request a personalised demo through the contact page.The team will walk you through the platform based on your role and business needs — whether you are a dealer, broker, lender or OEM.

Question 12

What is dealer finance software?

Accepted Answer

Dealer finance software is technology used by vehicle dealerships to manage and process finance applications on behalf of their customers.It typically supports lead capture, deal structuring, lender submission and settlement tracking — replacing manual processes with a digital workflow.youX manage is purpose-built for this use case, giving dealerships a single platform to run their finance operations end to end.

Question 13

What is asset finance software?

Accepted Answer

Asset finance software supports the end-to-end management of finance transactions for assets such as vehicles, equipment and machinery.It is used by brokers, dealers and lenders to manage applications, documentation, compliance and settlement workflows.youX provides asset finance software that connects all participants in the transaction — from the customer through to the lender.

Question 14

What is a digital finance application?

Accepted Answer

A digital finance application is an online form or experience that allows customers to apply for finance directly from a website, listing or marketing campaign.It replaces paper-based or in-person application processes with a streamlined digital journey.youX apply is a modular finance journey that can be embedded and branded to match your business.

Question 15

What is embedded finance?

Accepted Answer

Embedded finance refers to integrating financial services — such as lending or insurance — directly into a non-financial platform or customer journey.For example, offering finance at the point of sale on a vehicle listing or during an online checkout.youX enables embedded finance by allowing businesses to integrate digital finance applications and lender connectivity into their existing platforms and workflows.

Question 16

What is finance penetration and how can it be improved?

Accepted Answer

Finance penetration refers to the percentage of sales that include a finance component. In automotive and asset finance, higher penetration means more revenue per transaction.It can be improved by making the finance process faster and easier for both the customer and the sales team — reducing friction, increasing visibility and offering finance earlier in the journey.youX helps improve finance penetration through digital applications, automated workflows and real-time reporting that highlights missed opportunities.

Question 17

Is there a cost to join the BETA?

Accepted Answer

BETA partners receive preferential pricing for the duration of the program and beyond. We'll discuss specifics during the discovery call.

Question 18

What kind of businesses are you looking for?

Accepted Answer

Dealerships, brokerages, OEMs, aggregators, and marketplaces of any size. We're looking for partners who want to move fast and are open to providing honest feedback.

Question 19

Will my data be safe during BETA?

Accepted Answer

Absolutely. BETA runs on the same production infrastructure with the same security, encryption, and compliance standards as general availability. ISO certified, bank-grade encryption, full audit trail.

Question 20

Can I use BETA with real customers and real transactions?

Accepted Answer

Yes. The BETA environment is production-ready. Real applications, real lender submissions, real settlements.

Question 21

What happens after BETA ends?

Accepted Answer

You transition seamlessly to general availability. Your configuration, data, and integrations carry forward. No migration, no downtime.

Question 22

Which products are available in the BETA program?

Accepted Answer

Three youX products are currently available in the BETA program:apply – Self-Service Finance Applicationsconnect – API & Third-Party Integrationsmanage – Finance Management Platform

Question 23

How do I join the BETA program?

Accepted Answer

Visit the BETA Program page for full details, or go straight to the contact form to register your interest.Our team will be in touch within 24 hours.

Question 24

What kinds of OEMs and manufacturers does youX work with?

Accepted Answer

Automotive, marine, motorcycle, caravan, agricultural and equipment manufacturers — anywhere asset finance sits between a customer and a high-value purchase. We work with both single-brand OEMs and multi-brand portfolios.

Question 25

Can we keep our branding through the finance journey?

Accepted Answer

Yes. youXapply is a true white-label experience — your brand, your colours, your logo, in light and dark mode. The widget feels native on any website, and your customer never feels handed off.

Question 26

Can we control which lenders see our applications?

Accepted Answer

Yes. Configure a preferred lender waterfall per brand, model, store or campaign. Applications cascade automatically through your panel and overflow to broker if no lender matches.

Question 27

How quickly can we get a finance widget live on our website?

Accepted Answer

Campaign-ready in hours rather than weeks. Use a pre-built template configured to your brand, embed a snippet on any page, or build a dedicated finance landing page powered by Apply.

Question 28

What data and reporting do OEMs get?

Accepted Answer

Real-time visibility into how finance is performing across your dealer network:Application volume, conversion and settlement by store, region and campaignNAF (net amount financed), penetration and average deal valueChannel and partner ROI side by sideLender performance and decline patterns

Question 29

Do customers need to leave my website to apply for finance?

Accepted Answer

No. youXapply embeds directly on your site — vehicle pages, landing pages, QR codes on the showroom floor, even partner platforms. Your customers stay in your experience the whole way through.

Question 30

How fast can a customer get a pre-approval?

Accepted Answer

Under 60 seconds for an instant, personalised pre-approval — not a generic indicative quote. Matched to a real lender with no impact on the customer's credit file.

Question 31

Will applying impact a customer's credit file?

Accepted Answer

No. Pre-approvals use soft-touch credit checks that don't affect the customer's credit file. Only when the customer chooses to proceed with a specific lender does a formal credit check run.

Question 32

Can I integrate youX with my existing DMS or CRM?

Accepted Answer

Yes. youXconnect handles integrations with major DMS, CRM and lender systems via API, so leads, quotes and applications flow into the tools you already use.

Question 33

Can I see which campaigns and salespeople are converting?

Accepted Answer

Yes — youX Insights tracks every application by source, campaign, store and channel. You see which touchpoints are driving qualified applications and where drop-off is costing you.

Question 34

How do I become a lender on the youX panel?

Accepted Answer

Get in touch via the Partner With Us form. Our team will walk through your credit policy, scorecards and integration approach.Most lender onboards complete within a few weeks depending on integration scope.

Question 35

What integration methods do you support?

Accepted Answer

Direct API, file-based submissions and a hosted decisioning portal — whichever fits your stack. youXconnect handles the translation between your systems and the dealer/broker side, so you don't need to rebuild for every partner.

Question 36

Can I control which dealers or brokers send me applications?

Accepted Answer

Yes. Set acceptance criteria, scorecard rules and channel-level controls. Applications that don't meet your criteria are filtered out before they ever hit your queue.

Question 37

What data do I get on incoming applications?

Accepted Answer

A fully structured application package including:Customer and employment detailsVehicle/asset details and pricingLoan structure, deposit and trade-inCompliance and audit trailChannel and source attribution

Question 38

How does youX compare lender performance across the network?

Accepted Answer

youX Insights gives lenders benchmarked, anonymised views of how their conversion, decline rates and turnaround compare across the network — so you can see exactly where you're winning and where to focus.

Question 39

Who is youX?

Accepted Answer

youX is an Australian financial technology company that provides software and digital solutions to help businesses manage and deliver asset finance.The platform enables dealers and brokers to process finance applications by connecting customers with lenders and streamlining the management of finance transactions.

Question 40

Why might youX hold my personal information?

Accepted Answer

youX provides technology to vehicle dealerships, finance brokers and lenders to facilitate and manage asset finance applications and agreements.We do not collect personal information directly from consumers. Personal information is provided to us by the dealership, broker or lender you engaged when applying for or managing an asset finance arrangement.If you have not applied for, or entered into, an asset finance arrangement through a business that uses the youX platform, it is unlikely that youX holds your information.

Question 41

What exactly happened?

Accepted Answer

A third party made claims relating to unauthorised access on systems used by youX.As soon as youX became aware, youX acted immediately to secure our systems and launched an investigation with specialist external experts.youX are now aware that a threat actor has released data that it claims to have obtained as part of its unauthorised access. The data has been reviewed and there is confirmation that personal information was accessed and downloaded.

Question 42

How did this occur?

Accepted Answer

The incident involved unauthorised access to youX's systems by a third party.

Question 43

What personal data was affected?

Accepted Answer

It was identified that select personal information may have been compromised.The categories of information potentially affected include:•Basic contact information•Employment and income information•Identification information•Finance application details* Not all individuals will have had all categories of information impacted.

Question 44

Has the incident been reported to the authorities?

Accepted Answer

The incident has been reported to the Australian Cyber Security Centre (ACSC), the Australian National Office of Cyber Security, and law enforcement agencies.We are cooperating fully with authorities and will continue to provide updates as required.

Question 45

Has the incident been reported to regulators?

Accepted Answer

youX has notified the Office of the Australian Information Commissioner (OAIC) and, for individuals located in New Zealand, the Office of the Privacy Commissioner (New Zealand).

Question 46

Who is investigating the incident?

Accepted Answer

youX are undertaking an investigation supported by specialist external experts alongside internal teams to ensure it is handled thoroughly and independently.

Question 47

Did youX pay a ransom to the threat actor?

Accepted Answer

No. youX did not pay any ransom to the threat actor.Our focus has been on containment, forensic investigation, regulatory compliance, and supporting affected individuals.We have obtained an injunction against the threat actor and will continue to pursue appropriate legal remedies.

Question 48

Who is the third party involved?

Accepted Answer

The threat actor has been identified and an injunction has been served on them. As this is an ongoing investigation, youX is not disclosing further details.

Question 49

Are youX systems safe to continue using?

Accepted Answer

Yes. youX systems remain operational and business continues as usual.There is ongoing monitoring of systems and at this stage there is no reason for further cause for concern.

Question 50

What is youX doing to prevent this from happening again?

Accepted Answer

youX have:•Implemented additional security controls•Enhanced monitoring across systems•Engaged external specialists•Commenced further security uplift initiatives•Reviewed and strengthened incident response processesProtecting personal information and maintaining trust remains the highest priorities.

Question 51

Your website states that you take data security seriously. Were those statements inaccurate?

Accepted Answer

Public statements about data security reflect the ongoing commitment to protecting information and investing in appropriate safeguards.Our focus now is supporting stakeholders and impacted customers, continuing to adhere to our security and privacy obligations.

Question 52

Will affected individuals be contacted?

Accepted Answer

Yes. We will contact affected individuals directly to ensure consistent, accurate and orderly communication.Notifications will include:•Details about what information may have been affected•Steps individuals can take to protect themselves•Available mitigation measures and practical support

Question 53

What support will be provided?

Accepted Answer

youX will provide credit monitoring to affected customers.To access this information, individuals can complete the form via the cyber incident page or contact privacy@youxpowered.com.au.You can also call 1300 301 720 (in Australia) or +64 21 0282 4981 (New Zealand), available Monday – Friday 9am – 6pm (AEDT).

Question 54

Will youX provide a copy of the data you hold about me?

Accepted Answer

Yes. Upon receipt of a written request, youX can provide the relevant stakeholder or customer with a summary and copy of the data held.All data sharing is subject to strict security verification protocols.Requests must be submitted to privacy@youxpowered.com.au and follow the documented process for requesting and receiving client data.

Question 55

What should individuals do now?

Accepted Answer

Individuals should wait to be contacted directly by youX. If they have not yet been contacted, there is no immediate action required at this stage.We encourage individuals to:•Remain vigilant for phishing emails or scam calls•Avoid clicking on suspicious links•Verify communications claiming to be from our organisationA dedicated webpage has been established with ongoing updates and assistance information.

Question 56

How do I know if an email from youX is legitimate?

Accepted Answer

If you receive an email from youX regarding this incident, it will come from an official youX email address (for example, ending in @youx.com.au or @youx.au).Legitimate communications will:•Be addressed to you personally•Clearly explain the purpose of the message and any next steps•Provide official contact details if you need further assistanceImportant: If you are unsure whether an email is genuine, do not click any links or download attachments. Instead, contact the youX support team directly via the website.

Question 57

What should I do if I receive a notification?

Accepted Answer

If you receive a notification from youX, please read it carefully. It will explain:•What information may have been involved•Steps you can take to protect yourself•Available support services, including credit monitoring where applicableIf unsure, please submit the contact form at: youxpowered.com.au/cyber-incident

Question 58

When will you know more?

Accepted Answer

Updates regarding the incident will continue to be published on the youX Cyber Incident page.

Question 59

Where can I find information relevant to me?

Accepted Answer

If you are located in New Zealand and believe your information may have been affected, please visit our New Zealand Information Page for jurisdiction-specific guidance and support.Alternatively, you may contact youX directly at: privacy@youxpowered.com.auOr call +64 21 0282 4981, available Monday – Friday 9am – 6pm (AEDT).

Question 60

Who regulates privacy matters in New Zealand?

Accepted Answer

Individuals in New Zealand also have the right to contact the Office of the Privacy Commissioner: www.privacy.org.nzWe encourage individuals to contact youX in the first instance so we can assist promptly.

Question 61

Are there additional resources on identity and cyber security support?

Accepted Answer

Additional general resources on identity and cyber security support can be found here:•Own Your Online — How to protect your privacy online•Consumer Protection — Scamwatch•Netsafe — Scams

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