AperiData

APERIDATAbuyer room · privateManage buyer room

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 subsequent repayment-plan performance, i.e. a labelled 'can this household pay, and did the agreed plan survive' corpus. Raw bank transactions are not the asset and are not licensable.