Aire exists to make credit equitable for everyone. Founded in 2014, it provides a range of credit risk and affordability insights to lenders to drive fairer decision-making across the customer lifecycle. Placing the consumer in control, Aire’s Interactive Virtual Interview (IVI) gathers information seamlessly and at scale from the borrower. Validated for accuracy using powerful machine learning technology, insights are then returned to lenders in real-time to enable better credit decisions across acquisition, customer management and collections and delivering up to 14% uplift in credit acceptance rates. To date, Aire has evaluated over $10 billion of credit and, in 2016 received FCA authorisation as the UK’s fourth credit bureau (744817). Operating across the UK and US, Aire has raised $23 million in funding from backers that include Crane Venture Partners, White Star Capital, Orange Ventures and Experian.