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Andrew Bonsall

COO
AperiData
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21 Jul 2023
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Chester
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Followed by John Sims, Martha Boyle and 5 others you follow

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Co-Founder & Chief Operating Officer
AperiData
Oct 2020 - Present
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Latest opinions

Andrew Bonsall

Faster, fairer lending: the role of open banking in auto finance

Speed has always been a commercial advantage in auto finance, but it’s no longer enough. As well as responding quickly, lenders need confidence that the data they’re using reflects a borrower’s actual financial position in real time. Traditional affordability checks were dependent on payslips, credit bureau reports, or document uploads. This meant...

29 July 2025 Open Banking

Andrew Bonsall

How Open Banking helps with Account Takeover Fraud Prevention

While Open Banking transactions remain significantly less prone to fraud than other payment types, financial crime, particularly Authorised Push Payment (APP) fraud, is still a major concern across the ecosystem. In fact, Cifas’ latest Fraudscape report shows a 76% surge in ATO cases, with more than 74,000 filed in 2024 alone. The spike in unauth...

15 July 2025 Open Banking

Andrew Bonsall

Beyond lending: Open Banking lessons from the Public Sector

Assessing vulnerability is one of the most pressing challenges facing local authorities today. Yet, many still rely on static indicators, such as postcode, benefit status, or historic income, that only paint part of the picture. These data points often miss the subtle, daily indicators of financial pressure. What’s often missing is a live view of...

07 July 2025 Open Banking

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