Latest opinions that Jonathan Westley has shared on Finextra

Join the Community

23,910

Expert opinions

40,635

Total members

369

New members (last 30 days)

198

New opinions (last 30 days)

29,253

Total comments

Join Sign in

Jonathan Westley

Chief Data Officer, Experian UK & EMEA

Experian

Member since

05 Oct 2016

Location

London

View Jonathan Westley's full profile

Jonathan's opinions

3 steps to help build an effective data literacy program

Current data trends are not only changing how organisations operate on a day-to-day basis, but they’re also affecting the kind of people who are most in demand. A new collection of skills and business roles are needed to manage and unlock data, as well as minimise any risk. Today’s organisations must look beyond the latest technologies when it com...

15 September 2020 Data Management 101

Data-driven innovation can help us avoid the mistakes of 2008

The long-term economic effect of the Covid-19 pandemic is still largely unknown, but it’s likely to make an impact like nothing we’ve seen since the Second World War. With a few nations emerging from the lockdown and only now starting to get back on their feet, there is still no certainty about when – and how – the economy will recover. The IMF pr...

12 June 2020 /inclusion /covid-19 Innovation in Financial Services

Covid-19: protecting vulnerable consumers is a must

The past few weeks have served up a range of unprecedented challenges for everyone and we are all quite rightly focused on staying safe and healthy. But many people will also be concerned with their financial health too, which will certainly be a worry if your income has taken an unexpected hit. This isn’t a normal time we are living in and it’s g...

02 April 2020 /people /covid-19 Financial Risk Management

Two years later and Open Banking is putting consumers firmly in control of their finances

Two years on from the launch of Open Banking in the UK and we’ve seen a wave of innovation which has transformed the way we all manage, move and make the most of our money. Experian is behind many of the Open Banking services you see today, processing approximately 1 in 4 of the successful Open Banking API ‘calls’, when people consent to share thei...

15 January 2020 /inclusion Innovation in Financial Services

Driving a data innovation strategy in a digital world

Data underpins the modern economy. Every single day, Experian processes more than 100,000 applications for credit cards, mortgages, loans and current accounts and more than 500,000 soft searches, helping individuals take control of their finances and protecting their credit report at the same time. But data itself is constantly changing and evolvi...

03 December 2019 Data Management 101

Exploring the power of new data sources

Financial exclusion is a significant issue, particularly here in the UK. It results in many people finding it difficult it difficult to access basic banking services or facing severe restrictions on the financial products they can use - many of which most of us take for granted. According to the Financial Inclusion Commission, more than 1.5 millio...

29 April 2019 /inclusion Financial Inclusion

How trended data can help lenders to make more informed decisions

It’s been an unusual summer. England’s footballers reached their first World Cup semi-final in 28 years, while the heatwave has caused meteorologists to make comparisons with weather 42 years ago. Now the Office for National Statistics has identified another rare event: UK households have become net borrowers for the first time in almost 30 years. ...

30 July 2018 /inclusion

Developing digital mortgages with customers in mind

Today’s customer expects to be able to access the products and services they want with the push of a button. This includes a wide range of financial products available on digital platforms. Research shows that millennials in particular are increasingly trusting when it comes to technology. Even when it comes to mortgages they are driving digitalisa...

15 January 2018 /inclusion Digital Banking Trends

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

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