About

Array integrates consumer credit, identity, and background data into user experiences and marketing funnels for clients in the fintech sector. Their tools, including embedded solutions and software development kits (SDKs), allow for quick integration into client platforms, reducing the typical process from 18 months to just 24 hours. Array operates on a subscription model, simplifying pricing and eliminating the need for Payment Card Industry (PCI) compliance through data tokenization. The company's goal is to enhance user engagement and data security by providing personalized and compliant access to financial data.

Simplify's Take

What believers are saying

• Array's partnership with Alviere enhances its reach and capability in providing financial wellness and education tools, increasing digital engagement and revenue for clients.
• The recent $10 million investment from Temasek Family underscores strong financial backing and growth potential.
• The hiring of Jeff Eastin as Vice President of Business Development signals a strategic focus on expanding business opportunities and client relationships.

What critics are saying

• The lawsuit for alleged trademark infringement and unlawful competition could result in financial and reputational damage.
• The competitive fintech landscape requires continuous innovation to maintain a competitive edge, posing a risk if Array fails to keep up.

What makes Array unique

• Array's headless CMS and Quick Start API drastically reduce integration time from 18 months to just 24 hours, a significant advantage over traditional fintech solutions.
• The company's subscription-based aggregator model simplifies pricing and eliminates the need for large monthly data commitments, unlike competitors who often require such commitments.
• Array's tokenization of data removes the necessity for clients to be PCI compliant, streamlining deployment and reducing compliance burdens.

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