Credit Risk Management

Optimise your profitability and reduce your credit risk

What’s the score with fraud underwriting?...

Posted on Sep 01 2014 by
It’s not uncommon for applicants flagged as potential frauds to be processed without being manually underwritten. Why? Simply because it is unrealistic to expect 100% of all referrals to be manually worked through. The sheer...

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The importance of customer centricity in financial services...

Posted on Aug 27 2014 by
The importance of putting the customer at the heart of everything you do has long been discussed, but just when you think you’ve understood what they want, and how best to look after them, they evolve. Customer behaviours and...

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No crystal ball? Try the next best thing...

Posted on Aug 22 2014 by
To build stronger relationships with your customers and avoid losing them to your competitors, you need to accurately predict and meet their changing financial needs. January 2014 saw credit card borrowing rise to its highest...

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Who do you lend what to, and when?...

Posted on Aug 13 2014 by
The UK credit card market is facing unprecedented challenges, particularly for established high street lenders. Due to the strain on the economy post-crisis, many lenders have refocused their strategies on lower risk and, for...

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Homeowners face affordability squeeze when rates rise...

Posted on Jul 31 2014 by
The affordability of mortgage repayments is once again under the spotlight following recent comments by the Governor of the Bank of England that “gradual and limited” increases in interest rates are “coming nearer”. Mark...

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Join our #DataDriven TweetChat on Tuesday, July 8 at 5:30 pm...

Posted on Jul 08 2014 by
Join our upcoming #DataDriven chat on Twitter featuring: Susie Wolff  – Development Driver, Williams Martini Racing Rob Smedley – Head of Vehicle Performance, Williams Martini Racing Formula 1 Team Greg Bonin –...

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How can banking move forward in post-crisis Britain?...

Posted on May 29 2014 by
The UK banking and financial services sector now faces a new world that is being transformed through regulation, changing customer behaviour and new technologies.  We have launched a new series of insight papers named Banking...

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There is a wealth of data available – but what data ca...

Posted on May 07 2014 by
Here at Experian Decision Analytics we use the data at our disposal, our statistical knowledge and our business and market experience, to help lenders ensure they are making informed, and most importantly, responsible decisions...

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Mobile Britain’s omni-channel banking evolution...

Posted on May 01 2014 by
Despite the significant challenges faced by the UK’s banking sector over the last decade, there has been a dramatic evolution in the customer experience provided following the introduction of online, telephone and mobile...

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    Latest Thinking is the Experian UK blog that provides the most recent insight into the challenges that directly affect you and your organisation, covering innovations in areas such as, marketing and customer insight, credit risk management, identity and fraud, payments and collections. For more information about Experian, visit our website.