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Andrew Bonsall

COO
AperiData
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21 Jul 2023
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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

Open Banking for collections: How real-time data enables dynamic payment plans

Collections strategies have evolved. But many still rely on long-standing assumptions: that customers' ability to repay is stable, that financial circumstances remain unchanged, and that static repayment plans will work for most. Today, that approach is increasingly risky. Rising living costs and income volatility are widening the gap between what...

23 May 2025

Andrew Bonsall

Why traditional affordability checks aren’t enough: Rethinking how we spot financial difficulty

Most affordability checks show you a snapshot—a moment in time. A payslip, a credit score, a bank statement. Useful, sure—but they tell you what happened last month. Not what’s happening now. And definitely not what might be coming next. And that’s a problem—especially when you’re trying to support someone who may be slipping into financial diffic...

06 May 2025

Andrew Bonsall

Making lending fairer: How spending data supports financial inclusion

Over 20 million adults in the UK are still underserved by the financial system. And it’s not because they’re financially irresponsible—it’s because traditional assessments don’t tell the full story. These individuals might be gig workers with irregular income, young professionals without a credit history, or renters who’ve always paid on time but ...

29 April 2025

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  • 2025 (7)

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