Secure Data Exchange
Building the infrastructure for compliant, automated data exchange between lenders and credit reference agencies. PDX creates the pipes that move financial data where it needs to go - accurately, securely, and at scale.
What it does
PDX is a joint venture focused on solving one of financial services' most persistent infrastructure problems: getting data from lenders to credit reference agencies reliably, compliantly, and without manual intervention.
The regulatory requirement for lenders to report accurate, timely data to CRAs is non-negotiable. But the reality for many lenders - particularly smaller and mid-tier firms - is that the process is manual, error-prone, and expensive to maintain. PDX automates this entirely.
How it works
- Automated data extraction from lender systems in any format
- Validation and transformation to CRA submission standards
- Compliant submission to Experian, Equifax, and TransUnion
- Error detection, reconciliation, and audit trail
- Ongoing monitoring and regulatory change management
Who it serves
PDX works with lenders across the UK financial services market - from specialist finance companies and challenger banks to established lending institutions.
Any organisation that needs to report lending data to credit reference agencies can benefit from PDX's automated, managed infrastructure.
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