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Andrew Bonsall

COO
AperiData
Member since
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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Andrew's opinions

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Andrew Bonsall

How leading firms evaluate Open Banking providers: Lessons from the front line

When you're dealing with affordability assessments, collections strategies, or vulnerability detection, surface-level insight won’t cut it. You need data you can trust: data that reflects your customers’ real financial circumstances and supports confident decision-making. Choosing the right Open Banking provider means going beyond the basics. Conn...

18 June 2025 Open Banking

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

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 ...

01 April 2025 Open Banking

Andrew Bonsall

Is transaction data the key to hyper-personalisation?

Research suggests that 74% of consumers want more tailored banking experiences. Yet, despite this demand, traditional tools fall short of delivering what customers expect. Enter: Open Banking transaction data for hyper-personalisation. Real-time access to granular transaction data completely overhauls how businesses understand and engage with custo...

24 February 2025 Open Banking

Andrew Bonsall

Say goodbye to payslip guesswork with real-time income verification

Getting income verification right is critical, yet traditional methods often fall short. Payslips and bank statements, while useful, only offer periodic glimpses into a person’s financial situation. They’re prone to delays, inaccuracies, and even manipulation—leaving businesses to make critical decisions based on outdated information. This is wher...

18 February 2025 Open Banking

Andrew Bonsall

How Open Banking data can resolve thin credit files

What happens when over 5 million* UK residents are unable to access mainstream credit? The issue is more significant than it seems. These 'credit invisible' individuals—ranging from freelancers to those recently arrived in the UK—often have thin credit files that fail to represent their true financial situation. This creates a frustrating paradox...

11 February 2025 Open Banking

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