AperiData

AperiData — Consented Open Banking-derived household affordability assessments produced inside utility arrears and debt-advice journeys. Each assessment yields a structured read of income and expenditure, disposable income and affordability, financial behaviour and pressure, vulnerability indicators, and debt/repayment capacity — then a decisioning outcome (hardship support vs repayment plan vs referral to independent debt advice) and whether that plan held. The licensable byproduct is the derived layer: categorised transaction features paired with an evidenced affordability verdict and the s…

AperiData offers (Alternative, Fundamental, Sentiment) — Est. 10^4-10^5 full affordability assessments to date, each bundling months of categorised transaction history, so est. 10^6-10^7 categorised transaction observations behind the derived layer (bounded from ~£3M revenue range at per-assessment/matter pricing plus the Elifi/Stanley Robinson debt-advice and utility client list announced on the page).

Consumer credit-risk and affordability model training; financial-distress and vulnerability detection (regulator-mandated in UK lending); repayment-plan default prediction; hardship-fund targeting and take-up modelling; household cash-flow and discretionary-spend nowcasting from transaction features; validation of credit-scoring alternatives for thin-file consumers; calibration of collections-intensity versus customer-outcome policies

The data is with 5 years of history.

Coverage spans UK, US; Financial Exchanges and Data; alternative, fundamental, sentiment; equities, fixed_income.