Qlarifi

The first real time BNPL consumer credit database. The most insightful consumer underwriting data for BNPL lenders is a consumer's BNPL transaction history. With richer data, lenders can make more informed underwriting decisions - helping both BNPL providers and consumers. We come from various BNPL providers, and we grew tired of the roadblocks from the lack of credit reporting infrastructure designed to support the BNPL industry. We want consumers to have access to the right credit products for them, which can only happen if lenders have the right data. Vulnerable consumers need protections in place and responsible consumers should be rewarded for their positive behaviours. We are providing the critical infrastructure to improve the ecosystem with data privacy and data minimisation at its heart.