Hi Allan,
You have to use a boolean expression for the conditions of a XOR gateway. So an process variable or an expression which evaluates to boolean true or false.
So for your example it would be possible to set a process variable form_state to the values complete or incomplete on your form submit.
And as conditional expression you could test the state ${form_state == 'complete'} or ${form_state == 'incomplete'}.
Cheers
Sebastian