The first real time BNPL consumer credit database
The first real time BNPL consumer credit database
Enhancing risk and fraud lending decisions with accurate, detailed and real time data.
Enhancing risk and fraud lending decisions with accurate, detailed and real time 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
Challenge of reporting BNPL in Traditional Systems
Challenge of reporting BNPL in Traditional Systems
Real-time
Real-time
Traditional databases update every 30 days, Qlarifi's database refreshes in 3.5 seconds.
Secure
Secure
Raising the bar of data privacy protocols, designed with security at it's core
Raising the bar of data privacy protocols, designed with security at it's core
Comprehensive
Complete
Comprehensive
Detailed data attributes that have never been aggregated before
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 consumer credit payment and repayment data to enhance underwriting decisions, to widen access to credit for responsible consumers and identify users in financial distress.
Leverage real time consumer credit payment and repayment 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
Sales and partnerships
sales@qlarifi.com
Press inquiries
contact@qlarifi.com
Technical inquiries
engineering@qlarifi.com
Copyright 2024 Qlarifi Limited, United Kingdom. All rights reserved.
contact
Sales and partnerships
sales@qlarifi.com
Press inquiries
contact@qlarifi.com
Technical inquiries
engineering@qlarifi.com
Copyright 2024 Qlarifi Limited, United Kingdom. All rights reserved.
contact
Sales and partnerships
sales@qlarifi.com
Press inquiries
contact@qlarifi.com
Technical inquiries
engineering@qlarifi.com
Copyright 2024 Qlarifi Limited, United Kingdom. All rights reserved.