We went with Array because they made it 10x easier to stand up a consumer-facing solution. We haven't looked back since.

Will Dunn, Co-founder at Gravy
BEEM x ARRAY

Beem Drives 96%
Adoption Rate with
Array's Identity Theft
Protection

Beem Logo

Beem and Array:
A Partnership for Progress

The collaboration between Beem and Array is a testament to the power of innovation and partnership in promoting financial inclusion and well-being. Beem's groundbreaking AI platform, coupled with Array's reliable solutions, provides a unique and effective model for empowering people to navigate the complexities of personal finance, shaping a landscape where financial security is no longer a distant dream but a tangible reality for all.

The American Dream Under Siege:
A Landscape of Financial Insecurity

For millions of Americans, the dream of financial security feels increasingly out of reach. A staggering 2 billion workers worldwide struggle to make ends meet, with 128 million facing similar challenges in the US alone. Lack of access to essential services and a significant knowledge gap in financial literacy create a cycle of financial insecurity, trapping individuals in perpetual vulnerability.
 
Here's where Beem, a San Francisco-based revolutionary AI Super App with the mission to Make Life Affordable for All, enters the scene.

Beem: Championing Financial Inclusivity with AI

Launched in late 2021, Beem is driven by a core mission: to make life more affordable for all. Their innovative approach leverages the power of artificial intelligence (AI) to break down barriers to financial inclusion.
 
Beem welcomes everyone, regardless of income, immigration status, or credit score. This commitment to inclusivity is at the heart of Beem's philosophy, extending a lifeline to the underserved and underbanked population in America.
Beem's Super App empowers users with an array of essential life services:
Early access to verified deposits
Discounted essential life services
Financial literacy through AI
Frictionless payments and secure transactions
Building credit history

Beem's AI Super App:
A One-Stop Shop for Financial Wellness

Beem's Super App is a comprehensive platform that empowers users with an array of essential life services. Here's how it transforms lives:
hand-deposit-thin

Early Access to Verified Deposits

Beem's proprietary AI consumer composite index allows users to access verified deposits, alleviating financial stress during unforeseen circumstances without income, credit, or other restrictions.
hand-coins-thin

Discounted Essential Life Services

Beem’s AI consumer composite index, tailored for each individual and family, has made over 14 billion decisions for millions of working Americans. It identifies unnecessary cash drains, curates relevant solutions — maximizing savings and making essential resources accessible regardless of income, immigration status, or credit score.
presentation-chart-thin

Financial Literacy
through AI

Beem's AI goes beyond offering services. It educates users by analyzing transaction history and providing personalized insights. Users receive recommendations to improve their financial habits and build a strong financial foundation for themselves and their families.
cardholder-thin

Frictionless Payments and
Secure Transactions

Beem facilitates seamless payments and secure transactions using individuals’ existing cards or linked accounts without appending their lives in any way. Additionally, Beem AI’s real-time spending analysis empowers users to track their finances and make informed decisions on time.
trend-up-thin

Building Credit History

By integrating financial transactions into the Beem ecosystem, individuals who may not have a traditional credit history can begin to build a positive financial profile and build credit in new and existing scoring systems. This opens doors to future financial opportunities.
THE CHALLENGE

Beyond Providing Tools, Bridging the Knowledge Gap

While Beem's AI Super App provided a powerful toolset, the company recognized a critical challenge—the lack of user awareness and guidance around their own credit history and profile.
 
Many users, particularly those without a traditional credit history, lacked the knowledge to take advantage of the resources available to them. Existing credit monitoring solutions were often reactive, requiring users to seek out information on their own, and were untimely as well. There was a need for a proactive approach that empowered individuals to understand their financial health and take control promptly.
THE SOLUTION

Enter Array: A Partnership for Proactive Credit Education

Beem's vision for a proactive solution resonated with Array, a leading provider of financial, identity, and privacy protection tools. Array's suite of products is designed to empower financial institutions and fintech companies to give their users comprehensive credit score monitoring and identity theft protection features.  The synergy between Beem's proactive AI platform and Array's reliable solutions made them perfect partners.
app-screenshot-11-1
THE POWER OF PARTNERSHIP

Seamless Integration for User Empowerment

The success of the Beem-Array collaboration lies in its seamless integration. Array's credit score monitoring and identity theft protection features seamlessly integrate into Beem's user-friendly, AI-powered interface. This creates a single platform where users can access essential services and receive real-time insights into critical information such as credit health or awareness about potential threats to their personal identity data. Here's how the integration empowers users:

Proactive Credit Education

Beem's innovative Instagram-like, AI-powered feed proactively delivers personalized insights with impact and recommendations at relevant inflection points in an individual's life triggered by micro and macro decisions made by the individual as well as factors affecting that individual’s life. When a user takes an action that might impact their financial profile or credit history, Beem’s AI uses its own proprietary algorithm and combines it with Array's data to deliver proactive insights and relevant recommendations that, if taken in a timely fashion, may help them avoid possible pitfalls. This includes the updated credit score, explanations of how the individual’s action impacted the score, and actionable recommendations for improvement.

 

Credit Score Tracking and Simulation

Array's credit score tracking tool and Beem’s AI give users a clear picture of their current credit standing. The score simulator allows users to explore hypothetical scenarios and understand the impact of different financial decisions on their overall financial health.

 

Debt Analysis and Management

Array's comprehensive debt analysis tool helps users gain insights into their debt situation. This empowers them to develop strategies for debt repayment and improve their overall financial standing.

 

Credit Alerts and Identity Theft Protection

Array's credit monitoring features, in conjunction with Beem’s AI, provide real-time alerts for any changes in financial health, credit reports, potential identity theft attempts, or suspicious activity. This empowers users to take immediate action and safeguard their financial well-being.
app-screenshot-14

My Credit Manager

Empower users to view and monitor their credit health

Array's My Credit Manager Product Dashboard

Offers Engine

Personalize users' experiences with  relevant offers

Array's Offers Engine Product Dashboard

Privacy Protect

Help your users keep their personal information off the web

Array's Privacy Protect Product Dashboard

Identity Protect

Provide peace of mind and security from identity theft

Array's Identity Protect Product Dashboard

Tangible Results: User Stories that Speak Volumes

The success of the Beem-Array partnership goes beyond numbers. User stories paint a vivid picture of the transformative impact on people's lives.
Beem’s AI has proven to be an invaluable asset in safeguarding me and my family’s personal information. With ID protection services, I felt renewed security and confidence in the digital age. Beem's commitment to protecting my personal information is nothing short of remarkable. Their vigilant monitoring and swift alerts have thwarted potential identity threats, giving me the peace of mind I never knew I needed.
John Smith
Beem user
In my financial journey, Beem and its AI have been a remarkable game-changer. The platform’s tools offered insights on improving my credit score. With an enhanced credit score, I secured better loan interest rates, accessed new financial opportunities, and saved more on insurance premiums. Beem became the driving force behind my newfound confidence and the freedom to pursue my aspirations.
Robert Jones
Beem user

Data-Driven Insights: Measuring the Impact

While the qualitative impact through user stories is undeniable, Beem and Array are dedicated to measuring their success through data-driven insights. Here's a glimpse into the positive user engagement:
96% of Beem's premium plan users actively utilize the Identity Theft Protection feature, demonstrating a strong demand for security measures.
Most premium plan users regularly check their credit scores through the Beem app, highlighting user interest in proactively managing their credit health.
Engagement data for credit alerts and identity theft protection features continues to be analyzed, with additional insights forthcoming.

A Look Forward: A Collaborative Future for Financial Wellness

Beem's commitment to proactive financial education and user empowerment remains unwavering. The collaboration with Array has proven instrumental in enhancing the platform's proactive features. 
 
Looking ahead, Beem and Array are dedicated to:
identification-card-thin

Further Integration of ID Protection Features

Beem acknowledges the ongoing process of integrating Array's ID protection features to their fullest potential. Soon, users will benefit from features like monitoring address changes and compromised Social Security numbers.
chart-donut-thin

Advanced Data Analytics and User Insights

By leveraging data science advancements, Beem and Array aim to provide users with even more personalized recommendations and actionable insights, empowering them to make informed financial decisions.

Get started with Array.

Join Beem and hundreds of other organizations who are driving impact and revenue with Array's embedded finance products.
Schedule a demo

©2024 Array US, Inc. All rights reserved.

©2025 Array US, Inc. All rights reserved.