Aperidata
Aperidata is an FCA-authorised UK Credit Reference Agency and Open Banking provider that uses AI-driven transaction analytics to deliver real-time affordability, categorisation, and risk-scoring APIs to banks, credit unions, utilities, telecoms, and government clients.
- Company typePrivate
- Founded2017
- HeadquartersChester, United Kingdom
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Aperidata does
Aperidata is an FCA-authorised Credit Reference Agency and Open Banking provider, incorporated in England and Wales and headquartered in Chester, UK. The company operates an API-first platform that connects to the UK's nine largest banks and building societies to deliver consented bank-account data, enriched through proprietary machine-learning models for transaction categorisation, income classification, affordability assessment, and risk identification. Its product suite is structured as a core AISP connectivity layer (Open Connect) with modular add-ons including Categorise, Affordability, Credit Console®, SaferBet™, the Insight API, Categorisation-as-a-Service, and the AperiScore credit score.
The company serves enterprise customers across financial services (banks, BNPL providers, credit unions), utilities, telecoms, local government, and debt-advice charities, addressing pain points such as thin-file creditworthiness, real-time affordability, Consumer Duty compliance, and vulnerability identification. Distribution combines direct enterprise sales, technology-partner channels (Paragon, Qualco UK, Ivendi, Payl8r, InBest), and the UK Crown Commercial Service public-sector purchasing framework. Marketing emphasises content, industry events, and co-marketing with partners.
Revenue is generated through B2B API subscriptions, data monetisation, and professional services; consumer-facing services are free. In May 2024, PayPoint made a £1 million strategic investment, and in June 2026 PayPoint completed full acquisition, embedding Aperidata's Open Banking capabilities into its multichannel payments platform while the company continues to operate and scale its solutions across the UK.
Aperidata firmographics
Firmographics- Name
- Aperidata
- Legal name
- Aperidata Limited
- Website
- https://aperidata.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Acquired
- Headcount range
- 1–10 employees
- Short description
- Aperidata is an FCA-authorised UK Credit Reference Agency and Open Banking provider that uses AI-driven transaction analytics to deliver real-time affordability, categorisation, and risk-scoring APIs to banks, credit unions, utilities, telecoms, and government clients.
- Ownership category
- akta.pro rank
Aperidata industry classification
Industry- Product category
- Open Banking Credit Risk Analytics
- NAICS
- Credit Bureaus (56145), Activities Related to Credit Intermediation (5223)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Open Banking / Bank Data Underwriting (Consumer) (FSAKAKAF)
- akta.pro secondary industries
- Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA), Income, Employment & Cash-Flow Verification (Consumer) (FSAKAKAE)
Keywords
Where Aperidata is headquartered
LocationHeadquarters
- HQ city
- Chester
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Aperidata business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- B2B API Services: Aperidata provides Open Banking data services to business customers including financial institutions, credit unions, utilities, telecoms, and government agencies. Organisations pay for access to real-time financial insights, categorised transaction data, and credit assessment tools via API integration.
- Data Monetisation: Revenue generated from providing categorised and aggregated Open Banking data, risk insights, and financial assessment tools to enterprise clients. Pricing likely based on API call volume or subscription tiers.
- Professional Services: Consultative delivery approach includes implementation support, integration assistance, and ongoing advisory services for Open Banking and credit risk platform integration based on deep sectoral knowledge.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Consumer-facing services are provided free of charge |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
Aperidata product offering
Product offeringCore offering
Aperidata provides a regulated Open Banking data and analytics platform that aggregates consented UK bank-account data through AISP APIs and applies proprietary machine-learning models to categorise transactions, classify income, and assess affordability in real time. The company sells this capability to enterprise clients in financial services, utilities, telecoms, and the public sector via modular products (Open Connect, Categorise, Affordability, Credit Console, SaferBet) and API offerings (Insight API, CaaS, AperiScore) for credit decisioning, collections, and vulnerability identification.
Product overview
AperiData is a platform-plus-modules architecture providing Open Banking-powered credit and affordability solutions. The core Open Connect product enables AISP connectivity to UK bank accounts, while specialised modules address specific use cases: Categorise handles transaction enrichment, Affordability delivers income/expenditure analysis, Credit Console® provides end-user facing visibility, and SaferBet™ detects gambling risk. Additional API products (Insight API, CaaS) enable direct data integration. The AperiScore credit score represents the company's unified scoring product. All products leverage proprietary machine learning for real-time financial assessment and integrate via REST APIs into existing lending, collections, and customer management workflows.
Differentiator
Problem solved
Functional benefit
Brands
- Open Connect: Open Banking account connection and data aggregation product.
- Categorise
- Affordability
- Credit Console®
- SaferBet™
Products and services
- Open Connect Account Information Service Provider (AISP) product providing secure connectivity to UK bank accounts via regulated Open Banking APIs. Delivers account data including balances, overdraft usage, direct debits, and account details across multiple financial institutions for enterprise clients in financial services, utilities, telecoms, and the public sector.
- Categorise Transaction categorisation engine using proprietary machine-learning models to classify income by type (salary, benefits, freelance, self-employment), spending patterns, merchant details, and transaction locations with continuous improvement through feedback loops.
- Affordability Income and expenditure analysis module providing real-time affordability assessments. Classifies essential vs discretionary outgoings, measures committed expenditures, and calculates disposable income and financial resilience metrics for credit decisions, including stress-testing against future cost scenarios.
- Credit Console End-user facing interface providing consumers visibility into their credit profile and financial data. Accessible via API integration into client customer journeys or as a standalone console, with Inbest Benefits Calculator integration for income maximisation support.
- SaferBet Gambling-related risk detection module identifying gambling transactions and associated financial risk indicators. Flags high-risk gambling behaviour patterns to support vulnerability identification and responsible lending decisions.
- Insight API API product delivering real-time Open Banking data feeds with risk flags, behavioural markers, and custom variables for integration into existing decision engines and customer management systems with flexible data delivery formats.
- Categorisation as a Service (CaaS) Transaction categorisation service enabling clients to maximise portfolio value using existing bank transaction data. Delivers categorised data via API that can be used independently or alongside other Aperidata products.
- AperiScore Credit score product fully powered by Open Banking data. Provides real-time credit assessment derived from bank transaction history, enabling lenders to make fairer credit decisions based on actual financial behaviour rather than historical credit bureau data.
Quantifiable outcome
- Debt advisory time reduced from 3 weeks to 3 minutes for Citizens Advice Stevenage
- +1 more outcomes
Companies that use Aperidata
Customer profileNamed customers8 records
Segments5 records
Ideal customer profiles4 records
Aperidata technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability5 records
Feature7 records
Aperidata partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- Payl8rcorePartnership to strengthen FCA-regulated credit decisioning using Aperidata's Open Banking data for improved affordability assessments and fair lending outcomes.
- TSB BankcoreTSB selected Aperidata for Phase 2 of their Innovation LABs programme to explore how Open Banking technology can enable customer money confidence and help TSB operate smarter, better and differently.
- Citizens AdvicecoreRoll-out of award-winning Open Banking solution to Citizens Advice Bureaus across the UK, enabling advisors to achieve real-time view of people's financial circumstances and reducing debt advisory time from 3 weeks to 3 minutes.
- IvendicoreStrategic partnership to embed Aperidata's Open Banking platform into Ivendi's showroom and online auto finance products, creating Finance Navigator for faster and more transparent motor finance experience.
- ParagoncorePartnership where Paragon's credit scoring tools consume Aperidata Open Banking data to develop predictive scorecards and models. Paragon's Paris decision engine seamlessly deploys and operationalises these models.
- Qualco UKcorePartnership providing Open Banking data integration for Qualco UK's collections and debt management solutions, helping firms reprioritise outreach and improve engagement based on real-time affordability.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Aperidata competitors and assessment
Company assessmentDirect peers
- Yapily: UK and European Open Banking infrastructure provider offering account information and payment initiation APIs to financial institutions. Comparable as an AISP/PI competitor serving UK lenders and fintechs with similar connectivity and data services.
- Credit Kudos: UK Open Banking credit scoring and affordability provider (acquired by Apple in 2022) using bank transaction data to support lender decisions. Direct peer in using Open Banking data to produce credit scores and affordability insights for UK lenders.
- Moneyhub: UK Open Banking data, categorisation, and financial insights provider used by lenders, advisers, and government. Overlaps directly with Aperidata in affordability, transaction categorisation, and consumer credit insight use cases.
- TrueLayer: UK and European Open Banking API provider offering account information, categorisation, and payment initiation services to lenders and fintechs. Closest direct competitor to Aperidata in the UK AISP market, with overlapping customer base in consumer lending and BNPL.
Broad incumbents
- Plaid: Global Open Banking and account aggregation platform serving fintechs, lenders, and financial institutions. Comparable to Aperidata in providing bank-data connectivity and categorisation, but at much greater scale, capitalisation, and geographic reach.
- TransUnion: Global credit bureau with significant UK presence supplying credit reports, scores, and affordability analytics. Comparable as an incumbent credit data provider competing for the same UK lender, utility, and telco customers that Aperidata serves.
- Experian: Global credit bureau with a UK consumer credit business and growing Open Banking capabilities. Direct competitor in the credit reference agency market that Aperidata operates in, with materially larger scale and brand.
- Equifax: Established UK credit reference agency providing consumer and commercial credit data. Competes with Aperidata on credit decisioning data, though Equifax's core offerings are based on traditional bureau data rather than Open Banking-led real-time transaction analytics.
Regional players
- ClearScore: UK consumer credit and scoring platform, also active in Open Banking-driven affordability products. Comparable as a UK-focused credit data and consumer finance platform with overlap in credit scoring and lender services.
Emerging players
- Canopy (acquired by Visa): Open Banking-powered affordability, income, and identity verification provider for UK lenders (acquired by Visa in 2025). Direct competitor in the Open Banking affordability and credit risk decisioning space.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Aperidata social profiles
Digital presenceAperidata compliance and trust
Trust signalCompliance4 records
Aperidata financial estimates
Financial estimateRevenue estimate
Valuation estimate
Aperidata leadership team
Management profileNumber of profiles
Profiles6 records
Aperidata funding detail
Funding detailFunding overview
Funding rounds2 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Aperidata M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Aperidata
What does Aperidata do?
Aperidata provides a regulated Open Banking data and analytics platform that aggregates consented UK bank-account data through AISP APIs and applies proprietary machine-learning models to categorise transactions, classify income, and assess affordability in real time. The company sells this capability to enterprise clients in financial services, utilities, telecoms, and the public sector via modular products (Open Connect, Categorise, Affordability, Credit Console, SaferBet) and API offerings (Insight API, CaaS, AperiScore) for credit decisioning, collections, and vulnerability identification.
Is Aperidata a public or private company?
Aperidata is a private company. It is classified as corporate owned and is currently acquired.
When was Aperidata founded?
Aperidata was founded in 2017. It employs 1 to 10 people.
Where is Aperidata based?
Aperidata is headquartered in Chester, United Kingdom, in the Europe region.
How does Aperidata make money?
Three revenue lines are on record. B2B API Services are the primary driver. The others are data Monetisation and professional Services.
Who are Aperidata's main competitors?
Direct peers on record are Yapily, Credit Kudos, Moneyhub and TrueLayer. Broad incumbents are Plaid, TransUnion, Experian and Equifax. ClearScore is listed as a regional player. Canopy (acquired by Visa) is listed as an emerging player.
Does Aperidata have an API?
Yes. AperiData provides a public API for Open Banking data access and Credit Reference Agency services. The API provides access to fully categorised and aggregated UK Open Banking data, including bespoke risk indicators and consumer insights. Available at api.aperidata.io with developer documentation, sandbox environments, and integration support. Supports real-time data feeds for financial services firms to integrate into decision engines and customer management solutions. Developer documentation is at api.aperidata.io/api/schema/redoc.
What industry is Aperidata in?
Aperidata's product category is Open Banking Credit Risk Analytics. Its primary akta.pro industry code is FSAKAKAF, Open Banking / Bank Data Underwriting (Consumer), with a secondary code of FSAKAKAA, Credit Bureaus & Consumer Credit Reporting Agencies. Its NAICS code is 56145 and its SIC code is 7320.