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The first real time BNPL consumer credit database

Enhance consumer lending underwriting decisions with accurate, comprehensive and
real time aggregated BNPL consumer credit data.

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CHALLENGE OF REPORTING BNPL IN TRADITIONAL SYSTEMS


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5 KEY CONCEPTS THAT EXPLAIN THE PROMISE OF QLARIFI AND BNPL CREDIT REPORTING

Real-time

High frequency BNPL credit decisions demand real time credit monitoring

Secure

Best in class data privacy protocols to ensure utmost consumer privacy
protection

Comprehensive

Incorporating BNPL credit data for a holistic view of a consumers' credit
history



Cutting-edge data infrastructure built for innovative consumer credit products

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.

Enhance fraud
detection

Identify first party fraud sooner, detect emerging fraud trends earlier and
enable prevention teams to act quicker.

Reduce scoring costs

With the most up to date and appropriate consumer credit data, limit reliance on
less indicative data sources.

Mitigate operational risks

Limit the transmission of PII and mitigate exposure risks with state of the art
data infrastructure and furnishing protocols.

Klarna

Afterpay

Equifax

Zip

Natwest

CFPB

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.

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.

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.

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.



Data security and protection of consumer information come first

contact

Sales inquiries

sales@qlarifi.com

Press inquiries

contact@qlarifi.com

Technical inquiries

engineering@qlarifi.com

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