A 70-year-old man with atrial fibrillation (CHA2DS2-VASc score of 4) is being considered for anticoagulation. He has a history of a previous peptic ulcer bleed 5 years ago, now resolved. His renal function is eGFR 65 ml/min/1.73m². According to NICE NG196, what is the most appropriate anticoagulation option to offer?