Alessio Balduini

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CEO and Founder

Credit Data Research

Member since

30 Apr 2020

Location

London

Bio

Driving innovation in the SME sector through Open Banking and real-time credit scoring. As a CEO with over 20 years of experience leading global and regional teams, I bring a strong entrepreneurial mindset and a passion for transforming financial services.

Experience

CEO and Founder

Credit Data Research

Apr 2014 - Present

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Latest opinions

Losing Billions: Why Open Banking Was the Missing Piece in the BBLS Puzzle

Mounting evidence suggests that losses from the Bounce Back Loan Scheme (BBLS) could have been drastically reduced if Open Banking tools had been used from the outset to verify applicant information. According to government estimates, fraud and error account for about 6.8 percent of BBLS loans—funds that might have been better protected by real-ti...

24 February 2025 Open Banking

Open banking: Enabling SMEs to drive recovery in a post-Covid economy

The latest data from Bank of England projects a contraction of 14% of GDP on an annual basis with an astounding 25% contraction in Q2 alone. This could result in a loss of 15-20% - or up to a million - Small and Medium Enterprises. Needless to say, these are unprecedented and troubling figures. The graph below is unique as it is based on open bank...

14 May 2020 Banking Strategy, Digital and Transformation

Covid-19: A Driver for a New Era of Credit Risk and Rating Systems

The emergence of Covid-19 in Wuhan, China last December began a prolonged assault on the most important areas of our lives – our health and our financial wellbeing. Both are intrinsically linked, as we appreciate all too well these days having to endure social isolation as we start to make plans for the transition and recovery periods. Health serv...

07 May 2020 Digital Banking Trends

Latest comments

41% of businesses plan to switch banks because of poor performance during health crisis

Excellent feedback from this survey which is consistent with what we are hearing from hundreds of Credit Passport users. Good news is that Open Banking technology (UK is top in the world) will help financial institutions to improve margin and efficiency, supporting SMEs during C-19.

01 Jun 2020 09:56 Read comment