Deeper data for better, quicker decisioning
Are you a lender providing products to small businesses and consumers? Our technology utilises the rich data source of Open Banking in conjunction with other data sources to create deeper insights, and the visualisation of that data on our Credit Console. This means you can turn transactional data into intelligent services that improve both your decisioning processes and your customers’ experience.
Quicker Decisioning
By reducing the time to decision with increased automation, you’ll benefit from simplified underwriting processes and shorter application journeys.
Seamless Integration
With efficient integration into customer journeys, our real-time data provision uses the latest view of Open Finance data to enable smarter decisions.
Process Efficiencies
Reduce your costs by opting for our quick, insightful, and consistent cloud-based processes over on-premise decision management solutions.
Decision Block
These include:
- The ability to identify undisclosed bank accounts
- Real-time affordability analysis and alerts
- Income stability and veracity indices
- Spend categorisation, including potential high-risk spending patterns like gambling
- New borrowing not yet likely to have been identified on a customer’s credit file
- Signs of financial vulnerability, such as missed payments and lending excesses
- The same level of detail and insight for both new and existing customers
- In-depth insight into existing customers with relationships elsewhere, enabling smarter decisions that ensure lower operational costs
- Replacing paper-based information with a consistent digital data format
- Advanced analytics, including modelling, automation and machine learning
As we move further towards Open Finance and then on to Open Data, the opportunities to make quicker, more informed and more accurate decisions will increase exponentially. This additional data will enable you to provide more tailored products and services to business customers and consumers alike.
Credit Console
Our user-friendly Credit Console displays valuable insights and derivations alongside our Open Banking data block. This easy-to-navigate console enables you to:
- Give your underwriting and branch staff access to real-time account and transaction data for all customers
- Review aggregated and individual customer accounts, balances and transactions
- Streamline business processes and speed to decision, with key risk and financial metrics presented in a clear, visual, and meaningful way
- Increase process efficiency and reduce operational overheads with digital financial information rather than paper statements
On-time, on-budget project delivery
We know that efficient and high-quality delivery is equally as important as the underlying technical product. We also know that you have numerous competing priorities and agendas that are subject to change. That’s why our goal is to ensure that adoption of the AperiData product suite is as easy as possible.
We do this by employing our proprietary delivery methodology, developed using our decades of real-world experience in delivering solutions into the financial services sector.
Key benefits include:
- End to end business analysis along with recommendations for potential solutions
- Joint delivery plan to ensure both parties have confidence with no unexpected challenges during implementation
We believe that other providers focus more on the ‘what’ and can overlook the ‘how’. In our experience, that’s when projects go wrong from a cost, quality and time perspective. We’re here to change that.
Safe And Secure
Our top priority is the security of our clients and their customers’ data. Our technology has been developed to the highest technological standards to ensure security, ISO compliance and adherence to the FCA security principles.
Company
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Aperidata is a trading name of Aperidata Limited (Company No. 10979997) incorporated in England & Wales with a registered office at:
Regus House, Herons Way, Chester Business Park, Chester, Cheshire, CH4 9QR. Registered with the Information Commissioner’s Office in compliance with the Data Protection Regulations 2018 under registration ZA782092.
Aperidata is authorised by the Financial Conduct Authority (“FCA”) for AISP (FRN949181) and Consumer Credit (FRN949387) services.