AperiData

🚨Only two days to go until the Credit & Collections Think Tank & Technology Awards hosted by Credit Connect UK in the city of Manchester. This year we have been nominated for 3 awards across the following categories:   ✅ Open Banking in Credit & Collections ✅ Affordability Assessment Solution ✅ Customer Engagement Solution (with our partner Saascoms).   Congratulations to the team and best of luck to all the finalists.    Nicola Dunn, Andrew Bonsall and Stephen Ashworth who are looking forward to catching up with friends and colleagues at the Midland Hotel Manchester 🥂   #Openbanking #Innovation #Lending #Credit #Collections #Financialinclusion #CreditConnectAwards #Creditscoring #AperiScore

𝐇𝐚𝐥𝐥𝐨𝐰𝐞𝐞𝐧 𝐒𝐩𝐞𝐜𝐢𝐚𝐥: 𝟏𝟎 𝐎𝐩𝐞𝐧 𝐁𝐚𝐧𝐤𝐢𝐧𝐠 𝐓𝐫𝐞𝐚𝐭𝐬 𝐟𝐨𝐫 𝐒𝐌𝐁𝐬 🎃 This October, SMBs get a bag full of open finance treats! Ten remarkable moves are reshaping the landscape, offering efficiency, cost-cutting, and seamless payment solutions—no tricks, just treats! 🍬 🕸️ From Plaid’s Pay by Bank for Bill Pay, which simplifies recurring payments at a lower cost, to Metric’s partnership with Spare for real-time financial insights in Saudi Arabia, each innovation aims to empower small businesses by maximizing convenience and reducing operational friction. 🕸️ Other spook-tacular developments include Ecommpay's alliance with Token.io, which leverages SEPA Instant for fast, discrimination-free fund acceptance across Europe, and BB Merchant Services’ collaboration with Ordo to slash processing fees amid rising costs and fraud. 🕸️ On the regulatory side, the Consumer Financial Protection Bureau’s 2026 open banking rule signals a new era for data access, aiming for unprecedented transparency and consumer empowerment. ______________ Want to uncover more insights to track the pulse of how open finance is transforming fintech for SMBs❓ Get exclusive insights and data-driven analysis on our website. Subscribe to our newsletter for weekly updates and unlock premium research with our membership plans here ➡️: https://lnkd.in/gr8kGSYz via WhiteSight #fintech #openfinance #openbanking #SMEfinance #SMBs #Halloween

In our latest Fintech & Open Finance Insights newsletter, we highlight the key news that has got us talking and put a spotlight on our SHIFT Open Finance Community member Propflo. Industry download: ➡️ AperiData reveals new open banking credit score to guide lenders ➡️ Metro Bank (UK) Bank taps PEXA to enhance the re-mortgaging process for its customers ➡️ Lenvi’s latest blog reveals how mortgage lending in the Building Society space is being transformed by technology ➡️ Sikoia partners with Bank of Ceylon to streamline KYC and KYB processes ➡️ Cumberland Building Society launches broker portal in partnership with Mast ➡️ CRIF’s latest Banking on Banks ESG delves into how sustainability and corporate ethics are reshaping how banks and financial providers operate 💡 Spotlight: Our SHIFT Open Finance Community member, Propflo, supports mortgage lenders and brokers to engage their customers in home energy efficiency and green finance. With Propflo you can, 💷Grow revenue and customer engagement, 🌱 Meet sustainability goals and 🛠️ De-risk green improvements. Click on the link below to read more! 👇 #fintech #openfinance #opendata

Introducing our Open Banking Credit Score ‘AperiScore™’ the latest product as part of our regulated CRA service. The number of credit-invisible adults in Britain is growing rapidly, up from 5 million in 2022 to 5.6 million at the end of 2023. What’s more, one in ten adults have no credit history and face significant challenges when it comes to accessing mainstream financial services like mortgages, loans or credit cards. AperiScore™ will enable lenders to move beyond the boundaries of traditional CRA data, allowing them to score all applicants accurately in real time, including those with limited credit history or thin credit files. Simon Lyons, Chief Strategy Officer at obconnect, commented: “Since my journey in Open Banking began, I have believed – and still believe – that one thing makes the most material difference. The advent of a bank account-based credit score based solely on cashflow and cash position. This changes everything. This bank-based score can be aggregated with other sources to assess with a greater degree of accuracy than we ever thought. AperiData have done exactly that, they have created the scoring metrics. This is exactly what Open Banking is for, I look forward to the adoption and next steps immensely.  Few things can impact society with such systemic effect. This does, Bravo AperiData” Contact us today to explore how AperiData can supercharge your risk and credit decisions. Link in the comments ⬇️ Andrew Bonsall Stephen Ashworth Nicola Dunn Ally Dinsdale Ed Adshead-Grant Simon Lyons #Openbanking #Creditscoring #Affordability #Financialinclusion #Openfinance #Creditinvisible #Lending #Credit #Innvovation #AperiScore

🚀 Financial IT Fall Edition 2024 is out now!   Dive into the latest insights and trends shaping the future of fintech. This edition features indispensable insights from leading industry experts! 🔍 Key Highlights: • ISO 20022: How it’s revolutionizing payment lifecycle processes.  • Payment Modernization: Trends and challenges. Addressing the front-to-back conundrum with innovative solutions.  • Cross-Border Strategies: Exploring why payments must be at the heart of global business expansion.  • Enhancing Merchant Accessibility: Driving growth through inclusive financial solutions.  • Financial Inclusion: Bridging the gap for marginalized communities with innovative solutions.  • Fintech Partnerships: Discover how collaborations are fueling SME lending growth.  • Plus, many more insightful articles by industry leaders! 👉 Read more: https://lnkd.in/eGG_Ewxp 📝 Featured Contributors: - Miranda McLean FCIM, CMO, Ecommpay - John Trapani, Industry Lead, Financial Services, Appian Corporation - Radha Suvarna, CPO, Payments, Finastra - David Gummer, CPO, Redgate Software - Brady Harris, CEO, IXOPAY - Bethan Cowper, Vice President, Business & Market Development, Compass Plus Technologies - Philip Plambeck, Managing Director UK, Computop - the payment people - Thanim Islam, Head of FX Analysis, Equals Money - Chris Lewis, Head of Solutions, Synectics Solutions - Grigory Yusupov, Regional Director UK & RoW, IDnow - Andrew Stevens, Industry Principal Banking and Financial Services, Quadient - Andrew Bonsall, COO, AperiData - Cedric Bru, CEO, Taulia - Daniel Flowe, Head of Digital Identity, LSEG Risk Intelligence - Sean Devaney, VP, Strategy for Banking & Financial Markets, CGI - Luuk Visschedijk, Global Head of Partners, YouLend - Maria Siano, General Manager, Broadridge - Nick Botha, Payments Lead, AutoRek - Andrew Hutchings, Editor-in-Chief, Financial IT - Chris Principe, Publisher, Financial IT Stay ahead in the fintech world with valuable insights and forward-thinking strategies🌐🚀 #FinTech #FinancialIT #Payments #ISO20022 #CrossBorderPayments #SMELending #DigitalID #FinancialInclusion #FintechPartnerships #Innovation

AperiData Progresses to Phase 2 of TSB Bank’s 2024 Innovation LABs 🏴󠁧󠁢󠁷󠁬󠁳󠁿 AperiData has been selected to advance to Phase 2 of the 2024 TSB Bank Innovation LABs. This achievement follows months of productive collaboration with TSB, where AperiData explored the potential of Open Banking technology to enhance customer confidence and drive operational improvements. In Phase 2, AperiData will work with TSB to: 🔸 Enhance customer experiences with targeted solutions 🔸 Improve credit-related decisions for more robust outcomes 🔸 Provide in-depth insights into customer financial behaviors 🔸 Facilitate greater access to financial products for SMEs We look forward to seeing how this partnership shapes the future of Open Banking strategy. 👉 Read the full story here: https://lnkd.in/gDM2sh9X #OpenBanking #Fintech #Innovation #CustomerExperience #FinancialServices #SMEs #FintechWales

In August we announced that we had been selected to participate in the 2024 TSB Bank Innovation LABs along with 12 other FinTech’s.   Since then we have met with various stakeholders across the business to explore how Open Banking technology can enable customer money confidence and help TSB operate smarter, better and differently.    Phase 1 of the LABs concluded with each Fintech pitching their propositions to senior leaders. We are pleased to announce that AperiData are one of the selected FinTech’s that will be progressing through to Phase 2 of the programme.   We look forward to the continued collaboration and exploring how we can help shape the future of their Open Banking strategy to;   ✅ Enhance their customer experiences ✅ Improve credit related decisions and enable better outcomes for customers ✅ Provide better insights into customer financial behaviours ✅ Make it easier for SMEs to access financial products that suit their business needs FinTech Scotland TSB Bank Label Sessions Darryl P. Matthews Adam B. Maxine Mackie Andrew Bonsall Stephen Ashworth Nicola Dunn Ally Dinsdale   #Openbanking #Openfinance #Creditscoring #Innovation #Collaboration #Financialinclusion #Moneyconfidence #Creditrisk #Aperiscore

💥 This week, hear what key speakers from Token.io, Santander, Mastercard, Virgin Media, Allica Bank, Raidiam and Finavator had to say about Open Banking, Open Finance, payments and Smart Data, live from Open Banking Expo UK & Europe.   Read more about the latest Open Banking payments partnership between Token.io and Santander UK, as announced at #OBExpo UK & Europe.   Elsewhere, catch up on news from BankiFi and Metro Bank, as they team up to tackle late payments for SMEs, and from AperiData, which introduced its real-time Open Banking credit score ‘AperiScore’ at Open Banking Expo UK & Europe in London this week.   The Open Banking Expo Awards 2024 took place in a glittering ceremony in London on 15 October. Find out which organisations and individuals took home the coveted trophies 🏆.   #openbanking #openfinance #payments #smartdata #awards Todd Clyde, Jess Gerrow, Token.io, Santander, Paul Horlock, David Cox, Virgin Media O2, Louise Beaumont, Mastercard, Michelle Beyo, FINAVATOR INC, Open Finance Network Canada (OFNC), Barry O'Donohoe, Raidiam, Conrad Ford, Allica Bank, AperiData, Stephen Ashworth, BankiFi, Mark Hartley, Nick Reid, Ian Jackson, Metro Bank (UK), Ed Adshead-Grant, Vixio Regulatory Intelligence, John Gidla, Roseanne Spagnuolo, Ozone API, Chris Michael, Huw Davies, Contiant

That’s a wrap! 💥 Another successful year had at Open Banking Expo 2024! 🚀 Cheers to next year! 🍻 AperiData Andrew Bonsall Stephen Ashworth Ed Adshead-Grant Ally Dinsdale Nicola Dunn #openbanking #financialinclusion #creditscore #aperiscore

The AperiData team are ready and excited for day 1 at Open Banking Expo! 🚀 Come and see us at stand G3 to learn more about the UKs only Open Banking Credit Bureau and our Open Banking Credit Score.💡 Andrew Bonsall Ally Dinsdale Stephen Ashworth Ed Adshead-Grant Nicola Dunn #openbanking #creditscore #affordability #innovation #financialinclusion #opendata #risk #creditandrisk