The first real time BNPL consumer credit database
The first real time BNPL consumer credit database
Enhance consumer lending underwriting decisions with accurate, comprehensive and real time aggregated BNPL consumer credit data.
Enhance consumer lending underwriting decisions with accurate, comprehensive and real time aggregated BNPL consumer credit data.
Learn more
Learn more
Latest
Latest
CFPB’s new study shows BNPL users hold accounts with multiple providers
CFPB’s new study shows BNPL users hold accounts with multiple providers
Feature
Feature
BNPL and Black Friday: The Role of Credit Transparency Amid Rising Costs of Living
BNPL and Black Friday: The Role of Credit Transparency Amid Rising Costs of Living
Feature
Feature
BNPL and holiday shopping: what you need to know
BNPL and holiday shopping: what you need to know
Feature
Feature
Challenge of reporting BNPL in Traditional Systems
Challenge of reporting BNPL in Traditional Systems
Feature
Feature
5 key concepts that explain the promise of Qlarifi and BNPL credit reporting
5 key concepts that explain the promise of Qlarifi and BNPL credit reporting
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Feature
The Impact of Real-Time Reporting on BNPL Consumers
The Impact of Real-Time Reporting on BNPL Consumers
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Feature
The core elements of “BNPL-specific” regulation
The core elements of “BNPL-specific” regulation
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Feature
Qlarifi comments on CFPB's latest interpretive guidance for BNPL
Qlarifi comments on CFPB's latest interpretive guidance for BNPL
Feature
Feature
Quick bite: the value of alternative data in lending
Quick bite: the value of alternative data in lending
Feature
Feature
BNPL and credit scoring: Finding a path forward for credit building through BNPL
BNPL and credit scoring: Finding a path forward for credit building through BNPL
Feature
Feature
How Qlarifi is helping BNPL solve regulatory riddles
How Qlarifi is helping BNPL solve regulatory riddles
Feature
Feature
How BNPL data aggregation can solve the so-called “phantom debt” problem
How BNPL data aggregation can solve the so-called “phantom debt” problem
Real-time
Real-time
High frequency BNPL credit decisions demand real time credit monitoring
High frequency BNPL credit decisions demand real time credit monitoring
Secure
Secure
Best in class data privacy protocols to ensure utmost consumer privacy protection
Best in class data privacy protocols to ensure utmost consumer privacy protection
Comprehensive
Comprehensive
Incorporating BNPL credit data for a holistic view of a consumers' credit history
Incorporating BNPL credit data for a holistic view of a consumers' credit history
Cutting-edge data infrastructure built for innovative consumer credit products
Cutting-edge data infrastructure built for innovative consumer credit products
Strengthen outcomes
for consumers
Strengthen outcomes
for consumers
Strengthen outcomes
for consumers
Leverage real time BNPL data to enhance underwriting decisions, to widen access to credit for responsible consumers and identify users in financial distress.
Leverage real time BNPL data to enhance underwriting decisions, to widen access to credit for responsible consumers and identify users in financial distress.
Enhance fraud
detection
Enhance fraud
detection
Enhance fraud detection
Identify first party fraud sooner, detect emerging fraud trends earlier and enable prevention teams to act quicker.
Identify first party fraud sooner, detect emerging fraud trends earlier and enable prevention teams to act quicker.
Reduce scoring costs
Reduce scoring costs
Reduce scoring costs
With the most up to date and appropriate consumer credit data, limit reliance on less indicative data sources.
With the most up to date and appropriate consumer credit data, limit reliance on less indicative data sources.
Mitigate operational risks
Mitigate operational risks
Mitigate operational risks
Limit the transmission of PII and mitigate exposure risks with state of the art data infrastructure and furnishing protocols.
Limit the transmission of PII and mitigate exposure risks with state of the art data infrastructure and furnishing protocols.
Klarna
Klarna
Afterpay
Afterpay
Afterpay
Equifax
Equifax
Zip
Zip
Natwest
Natwest
CFPB
CFPB
Built by a team from industry leading consumer lending fintechs
Built by a team from industry leading consumer lending fintechs
From a background in BNPL, big data and consumer credit risk, we are passionate about ensuring that lenders have access to the most accurate data.
While working in BNPL, we saw an opportunity to improve underwriting conditions for BNPL providers and enable better outcomes for consumers. The most insightful historical data for any lending decision is the previous usage of like-for-like lending products. When we encountered roadblocks in seeking out this information, we decided to build a platform for it ourselves.
From a background in BNPL, big data and consumer credit risk, we are passionate about ensuring that lenders have access to the most accurate data.
While working in BNPL, we saw an opportunity to improve underwriting conditions for BNPL providers and enable better outcomes for consumers. The most insightful historical data for any lending decision is the previous usage of like-for-like lending products. When we encountered roadblocks in seeking out this information, we decided to build a platform for it ourselves.
From a background in consumer credit, we are passionate about ensuring that consumers improve their financial health.
While working in BNPL, we saw an opportunity to improve underwriting conditions for BNPL providers and enable better outcomes for consumers. The most insightful historical data for any lending decision is the previous usage of like-for-like lending products. When we encountered roadblocks in seeking out this information, we decided to build a platform for it ourselves.
Separation of identity and transaction data
Separation of identity and credit data
Separation of identity and transaction data
Separating identity and credit data enhances security, aligns with regulations like GDPR and CCPA, reduces client data handling burden, and minimizes operational risks.
Separating identity and credit data enhances security, aligns with regulations like GDPR and CCPA, reduces client data handling burden, and minimizes operational risks.
Multi-tenant
architecture
Multi-tenant architecture
Lender data is isolated whether it is in-flight or at-rest within the Qlarifi infrastructure. The data is aggregated and anoymized to produce the Qlarifi Report which lenders can use for instant risk decisions.
Lender data is isolated whether it is in-flight or at-rest within the Qlarifi infrastructure. The data is aggregated and anoymized to produce the Qlarifi Report which lenders can use for instant risk decisions.
Ledger principle data architecture
Ledger principle data architecture
Indispensable data audit and analysis via an immutable log of events representing the consumer's transactions over time ensuring the recreation of the system's state at any point in time.
Indispensable data audit and analysis via an immutable log of events representing the consumer's transactions over time ensuring the recreation of the system's state at any point in time.
Data security and protection of consumer information come first
Data security and protection of consumer information come first
Data security and protection of consumer information come first
contact
contact
Sales inquiries
sales@qlarifi.com
Sales inquiries
sales@qlarifi.com
Sales inquiries
sales@qlarifi.com
Press inquiries
contact@qlarifi.com
Press inquiries
contact@qlarifi.com
Press inquiries
contact@qlarifi.com
Technical inquiries
engineering@qlarifi.com
Technical inquiries
engineering@qlarifi.com
Technical inquiries
engineering@qlarifi.com
Copyright 2024 Qlarifi Limited, United Kingdom. All rights reserved.
Copyright 2024 Qlarifi Limited, United Kingdom. All rights reserved.