AperiData is an FCA authorised Credit Reference agency and Open Banking provider (AISP) that uses financial data to transform credit scoring. We use the power of Open Banking to make financial 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. Through new and emerging data sources our clients can make better and fairer decisions for their end customers, extending the reach of appropriate and affordable financial solutions into underserved communities.

What sets us apart is our decades of global experience in the world of credit risk management and data analytics, providing us with unparalleled insight into the best services and processes that can be derived from the Open Banking initiative.