Applied Data Finance (ADF) is a technology-enabled consumer lending company that uses AI-powered analytics to provide credit to underestimated and under-banked Americans through its Personify Financial brand. ADF offers unsecured personal installment loans, leveraging advanced data science and machine learning to assess credit and fraud risk. Their target audience includes near-prime and non-prime borrowers. The unique selling proposition is their sophisticated risk pricing capabilities, which set them apart in the industry by offering responsible and affordable credit solutions to those often overlooked by traditional lenders[1][3].