Array

Array is a dynamic startup that specializes in integrating consumer credit, identity, and background data into various user experiences and marketing funnels. The company operates in the financial technology (fintech) market, serving a diverse range of clients including financial institutions, fintech companies, and other businesses that require access to consumer credit and identity data.

Array's business model revolves around providing a suite of embedded tools, white-label solutions, and software development kits (SDKs) that can be customized in real-time through a headless content management system (CMS). This allows clients to quickly and efficiently integrate Array's services into their own platforms, reducing a typical 18-month build process to just 24 hours. The company also offers a Quick Start API, which includes comprehensive guides, endpoints, and support to facilitate seamless integration.

The company makes money by offering its data integration services on a subscription basis, simplifying pricing through an aggregator model. This model avoids large monthly data commitments and the need to stick with any single bank, credit bureau, or security credit data provider. By tokenizing data, Array eliminates the need for clients to be Payment Card Industry (PCI) compliant, allowing for quick deployment without the hassle of audits.

Array's services are designed to deepen connections between businesses and their users by providing personalized credit and financial data securely and compliantly. The company ensures robust consumer security as defined by the Fair Credit Reporting Act and other regulations, making it a reliable partner for businesses looking to enhance their user engagement and data security.

Keywords: fintech, consumer credit, identity data, background data, API integration, white-label solutions, SDKs, headless CMS, data security, personalized financial data.