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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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Andrew's opinions

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Andrew Bonsall

What the Warm Home Discount tells us about the future of affordability support

A small but telling update has been made to the Warm Home Discount scheme. Households now need to prove they earn under £36,000 a year to qualify. That’s the income threshold. But what’s more significant is the requirement behind it: actual evidence of income. On the surface, this may seem like a minor change, but it’s one of the clearest signs ye...

22 September 2025

Andrew Bonsall

Why Open Banking data will be key to BNPL affordability compliance

After several years of consultation, industry warnings, and media attention, formal regulation is on the way for Buy Now Pay Later (BNPL) products. From July 2026, providers will be required to carry out affordability checks before offering credit. This closes a long period of uncertainty for a market that has grown at a pace with minimal regulato...

11 September 2025

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

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

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