AperiData is an FCA authorised credit reference agency and open banking provider (AISP) that uses financial data to transform credit scoring. Through connections to UK banks, we use the power of open banking to make credit assessments better, faster and fairer for consumers and financial institutions alike. We go beyond traditional credit scoring, providing a comprehensive real time view of a consumer’s creditworthiness. We are revolutionising credit scoring and lending processes that power instant, responsible, and ethical credit decisions. Our decades of global experience in credit risk and data analytics provide us with unparalleled insight into the best services and processes that can be derived from open banking. www.aperidata.com FCA registration FCA registration – payment services