Array

Array is a financial innovation platform founded in 2020 by serial entrepreneur Martin Toha. It builds an embeddable, private-label suite of financial, credit, identity and privacy-protection products that fintechs, financial institutions and digital brands incorporate into their own branded digital experiences. The platform is designed to be invisible by design: it is delivered unbranded so that clients can offer financial services without requiring consumers to download and manage multiple separate apps.

The product suite spans several technical domains. Credit products are intended to drive client acquisition, retention and revenue while helping consumers access credit. Financial management tools let consumers work toward financial goals in a single place. Identity protection and digital privacy products are delivered through the brands consumers already trust. Together these components form a private-label platform built on embedded finance, credit technology and white-label software principles.

Array's clients include many of the world's leading fintechs, financial institutions and digital brands, giving the platform a global footprint and a stated consumer reach in the millions. The company frames its mission around fuelling financial progress and eliminating fragmented financial services, so that consumers are not required to juggle several platforms at once.