Credit Risk Management

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How will Wealth, Life or Pension providers find and wi...

A generation ago, if you needed to grow a customer base you would put a fleet of new salesmen on the road – if only business was that easy n...

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The digital customer and the Information Age...

Digital isn’t new. In fact, the digital revolution began between 1950 and 1970 with the adoption and proliferation of digital computers and digital record keeping – and by 2014 more than 99% of information was stored digitally. Internet based banking was first introduced in 1983. However it took until...

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How law firms can maximise digital developments...

Customer service is the most important remit for any business. Not being able to give your customers great customer experience can impact your brand reputation and hinder loyalty. In a fast-paced personalised era, people expect simple, instant and easy interactions. This isn’t isolated to any specific task – everything...

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How FinTechs disrupts retail banking (and other financ...

The growing FinTech sector is a hive of innovation that is starting to deliver consumer services which challenge ideas about the role and function of traditional banks and other financial service...

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Customer Experience: the new standard for bank loyalty...

A young saver would traditionally establish an account and stay with the same bank for life – well, those days are gone. The fallout from the financial stress of 2008, coupled with new banking regulations, and an evolving digital economy has made the customer king. In the future, it...

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The differences a decade makes to credit risk...

The Bank of England interest rate sits today at 0.25%. Ten years ago it was 4.75%. To put this in perspective on a £150k mortgage over 25 years, today’s payment would be £516 a month. 10 years ago, the cost would have been £855. This is a 66% difference...

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Big data is… big...

Big Data is now a buzz word for financial services. But, put in laymen terms it simply means businesses are faced with a mass of data that is so big, it is creating confusion and a clear strategy is hard to...

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How Experian is innovating: Customised solutions and b...

Expectation now is such that customers demand access to digital services 24 hours a day, seven days a week – and because of this, service providers require solutions that operate to the same...

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Towards a data-powered future: the evolution of the in...

The insurance industry is going through a period of rapid and transformational change. The explosion of consumer data, pace of new technology and increased focus on digital bring challenges and opportunities for organisations. With it comes a shift in customer behaviours and...

Read More Towards a data-powered future: the evolution of the insurance sector