Qlarifi

Qlarifi operates in the consumer lending sector, focusing on enhancing underwriting decisions through the provision of accurate, comprehensive, and real-time aggregated Buy Now Pay Later (BNPL) consumer credit data. The company serves lenders who require detailed insights into consumer credit risk, enabling them to make informed lending decisions. By leveraging historical data on similar lending products, Qlarifi addresses the challenges lenders face in accessing critical information. The business model revolves around providing a platform that aggregates and analyzes consumer financial data, including payment histories and credit information, to identify and mitigate first-party fraud and detect emerging fraud trends. This approach not only aids lenders in improving their decision-making processes but also contributes to the financial health of consumers by ensuring responsible lending practices. Qlarifi generates revenue through the provision of these data services to financial institutions and lenders, who benefit from the enhanced accuracy and timeliness of the information provided.

Keywords: BNPL, consumer lending, credit data, underwriting, fraud detection, financial health, data aggregation, real-time insights, lending decisions, credit risk.