Slice the bagels in half, and horizontally slice each half into 3 thin pieces. On a baking sheet, lightly brush olive oil on both sides of the bagel slices. Broil for 6 minutes, flipping halfway. (Times may vary, so keep an eye on them!) Break the crispy bagels up into smaller pieces for dipping.
Dice the lox, and place in a medium size bowl. Add softened cream cheese, diced onion, dried minced garlic, sesame seeds, poppy seeds, and fennel seeds. Mix until well combined. Place dip in a bowl and serve alongside the bagel chips.