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Kelly's blog archive

2019 (2) 2018 (3)
Kelly Read-Parish

Kelly Read-Parish

Operations Manager at Credit Kudos
Message Message me Posts: 5 Comments: 1
Bio Passionate about making credit scoring better for everyone. Career History Credit Risk & Portfolio Management at PGIM, MBA from London Business School


Open Banking

Open Banking: AISPs and PISPs explained

11 Feb 2019

The two types of Open Banking providers: here’s what you need to know Since January 2018, Open Banking has been driving dramatic change across the financial world, revolutionising everything from payment solutions and budgeting tools to lending applications and credit evaluations. But what exactly do companies offering Open Banking do? Regulated p...


Open Banking vs. Screen Scraping: looking ahead in 2019

04 Jan 2019

The sharing of customer transactional data in the UK will undergo a significant change in September 2019, with legislation coming into effect due to end the decade old practice of screen scraping. In the past, screen scraping allowed third party companies to access financial transaction data by logging into digital portals on behalf of a financial



Data Sharing after Cambridge Analytica: using Open Banking to get a better deal

19 Jun 2018

In wake of the Cambridge Analytica scandal, the real price of ‘free’ tech platforms has been exposed. Access often comes at the cost of handing over reams of your personal data. GDPR, data protection regulation that triggered the inbox-cluttering privacy emails in May, should help protect consumers by requiring companies make clear what personal


New FCA Credit Guidelines Boost Fintechs

05 Jun 2018

On May 31st, the FCA published their much anticipated consultations on High-cost Credit (CP18/12) and on Overdrafts (CP18/13). Covering rent-to-own, catalogue credit, store cards, home-collected credit, bank overdrafts and other high-cost credit alternatives, the papers put forward a number of new measures designed to give customers greater co