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Owen covers the numbers side of small-company life: cashflow timing, VAT and payroll pinch points, Open Banking data and what lenders can (and cannot) read from a bank feed. He maintains Credicorp's original-data publications, including the UK SME cashflow dataset, and writes the methodology notes that accompany them. His rule for every chart and table: label what the data is, label what it is not, and show the working.
Owen Pritchard
Senior Writer, SME Cashflow & Data, Credicorp