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 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.

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Brickroad customers

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Coverage

Universe, instruments and categories.

Industry: Financial Exchanges and Data
Instruments: equitiesfixed_income
Categories: AlternativeFundamental

Dataset card

Type: not stated
Format: Tabular — structured assessment records (categorised income/expenditure features, affordability score, vulnerability flags, recommended action) plus audit-log JSON of the decision trail captured per Open Banking consent event
Volume: 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)
Users: N/A as a registered-user count — B2B analytics layer embedded in utility suppliers' and debt-advice charities' journeys, not a consumer-facing account product. Reach instead measured in assessed households: est. tens of thousands per year across the named utility and advice-sector clients, inferred from an 8-person company with ~£3M revenue range running multi-week-to-same-day assessment journeys
History: 5 years
Update frequency: not stated
Growth: Active — the page announces a live partnership with Elifi (Stanley Robinson) to deliver real-time financial intelligence into debt advice, cites results already observed 'across our utility clients', and sits inside a payments group actively assembling an arrears-to-payment stack
Launched: not stated
Delivery: not stated
Entity mapping: not stated
Sample: not stated
Point-in-time: not stated
Licence: not stated

supplier index read from their site