Applied Data Finance (ADF) operates in the financial services sector, focusing on providing personal loans to underbanked Americans who have less than prime credit histories. The company serves individuals with incomes ranging from $20,000 to $75,000, who often find it difficult to secure loans from traditional lenders due to their credit profiles. ADF uses advanced data science and a multitude of data sources to accurately assess the credit risk of these individuals, allowing them to offer loans at risk-appropriate rates. The business model revolves around lending to these underserved segments, generating revenue through interest on the loans provided. ADF's core operating principle, C.A.R.E., ensures that their products are clear, affordable, responsible, and empowering for their customers. This approach not only helps individuals like Alice, who need financial assistance but also offers sophisticated investors an opportunity to access a high-return asset class at significant scale.

Keywords: personal loans, underbanked, data science, credit risk, financial services, income range, underserved, lending, high returns, C.A.R.E.