Aire

Aire Labs Limited, operating as Aire, is a fintech company founded to improve the credit scoring process. The company's mission is to make credit fairer and more accessible by providing lenders with a deeper understanding of an applicant's financial situation. It achieves this by gathering first-party data directly from consumers through an interactive digital interview. This data is then used to generate unique insights and scores, which supplement traditional credit bureau information. By leveraging this additional data, Aire helps lenders make more informed decisions, particularly for individuals who may be "credit invisible" or have thin credit files, such as young people, recent immigrants, or the self-employed.