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Jonathan Westley

Chief Data Officer, Experian UK & EMEA
Experian
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05 Oct 2016
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Followed by John Sims, Martha Boyle and 5 others you follow
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Jonathan's opinions

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Jonathan Westley

Consumers at front and centre of new affordability focus

As the Financial Conduct Authority explains: “Consumer credit has a key economic function and is a largely beneficial activity. Most borrowers repay without difficulty and without financial distress.” There are risks in high-cost credit or where customers seek credit but may not be able to afford the costs, as people in the industry are aware. Yet ...

13 November 2017

Jonathan Westley

It’s not just for kids: Homework for financial providers during My Money Week

This week is the 9th annual ‘My Money Week’, the national activity week for primary and secondary schools that aims to improve the skills, knowledge and confidence of the younger generation in money matters. It’s as good a time as any, then, to reflect on just how much general awareness there is about financial management. Recent evidence suggests ...

13 June 2017

Jonathan Westley

Age, economy and regulation: How a decade has changed the credit risk industry

Ten years ago, the Bank of England interest rate sat at 4.75% Now? Now it sits at the unhappily low rate of 0.25%. To put this in perspective, on a £150k mortgage over 25 years, today’s payment would be £516 a month. Ten years ago, the cost would have been £855. This equates to a 66% difference – presenting a considerable change which will affect ...

28 April 2017 /regulation

Jonathan Westley

How lenders can prevent JAMs from getting stuck?

Every once in a while, a new group of people comes into the focus of politicians. In the early 2000s the priority was Pebbledash People, who were middle income families living in three-bedroom houses. Then political eyes turned to the younger Wristband Generation, who let it be known they were supporters of charities or good causes. Now it’s peopl...

18 January 2017

Jonathan writes about

  • regulation & compliance
  • people
  • financial inclusion
  • identity
  • covid-19
  • predictions

Jonathan's opinion archive

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Corinne Lleti
Director of EMEA Customer Solution at Experian

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Managing Director of Data Services at Experian

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Laurie Schnidman

Laurie Schnidman
Chief Product Officer, Platforms & Software at Experian

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Tristan Prince

Tristan Prince
Product Director, Fraud & Financial Crime at Experian

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Jake Ranson

Jake Ranson
MD ReFi at Experian

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