Quavo

The company's primary clients are issuing financial institutions, including banks, credit unions, and fintech organizations. Quavo's business model is centered on its Software-as-a-Service (SaaS) platform, generating recurring revenue through its solutions. Initially offering on-premise installations, Quavo transitioned to a cloud-based model in 2020, a move that proved pivotal for its growth. The company's offerings are designed to automate the entire dispute lifecycle, ensuring compliance with regulations like Reg E and Reg Z, and reducing financial losses for their clients.

Quavo's product suite includes QFD™ (Quavo Fraud & Disputes), a comprehensive software platform that automates workflows from intake to resolution. A key feature is ARIA™ (Automated Reasonable Investigation Agent), an AI-powered tool that conducts investigations, differentiates between true and friendly fraud, and provides real-time decisions. This automation can handle approximately 80% of the manual tasks typically performed by clients. Additionally, the company offers Dispute Resolution Experts™ (DRE), a service where Quavo's analysts manage back-office investigation tasks for clients who wish to outsource this function. This combination of software and service, branded as "Disputes as a Service™", allows clients to scale their operations, reduce write-offs by an average of 37%, and improve customer satisfaction through faster resolutions.