About

Array integrates consumer credit, identity, and background data into user experiences and marketing funnels for clients in the fintech sector. The company provides customizable embedded tools, white-label solutions, and SDKs that allow for quick integration into existing platforms, reducing the typical build time from 18 months to just 24 hours. Array's subscription-based model simplifies pricing and eliminates the need for PCI compliance by tokenizing data. The goal is to enhance user engagement and data security while ensuring compliance with regulations like the Fair Credit Reporting Act.

Simplify's Take

What believers are saying

• Array's acquisition of Payitoff strengthens its debt management solutions.
• Partnerships with companies like Alviere expand Array's financial wellness offerings.
• Increased demand for embedded finance aligns with Array's core services.

What critics are saying

• Integration challenges may arise from the acquisition of Payitoff.
• A lawsuit could result in financial penalties and reputational damage for Array.
• Partnership with Alviere may expose Array to compliance risks.

What makes Array unique

• Array reduces integration time from 18 months to 24 hours with its tools.
• The company offers a headless CMS for real-time customization of financial services.
• Array's tokenization model eliminates the need for PCI compliance, enhancing security.

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