Credit Risk Management

Optimise your profitability and reduce your credit risk

How lenders can make customer relationships personal...

Posted on Jan 05 2015 by
On its own, credit data can’t help you deliver the personalised, proactive service your customers want. You also need to understand the full picture of each individual person to return the human element to financial...

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Leading the field in big data analytics...

Posted on Dec 29 2014 by
Using big data to create actionable business insight requires the right blend of specialist big data skills, and secure, powerful big data infrastructure. At Experian, we bring all the ingredients together in the form of DataLabs...

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Financial services regulation: Navigating the perfect storm...

Posted on Dec 22 2014 by
To navigate the perfect storm of financial services and privacy regulation, we have a common challenge. Both lenders and Credit Reference Agencies (CRAs) need to explain effectively and consistently to both regulators and...

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The Mortgage Market review: Six months on…...

Posted on Dec 18 2014 by
It’s now six months since the new lending rules came into force on the 26th April 2014. So has the Mortgage Market Review (MMR) contributed to a more sustainable market that serves the needs of customers better or has it added...

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Stress tests are here to stay, are you prepared?...

Posted on Dec 18 2014 by
On 16 December, the Bank of England published the results of its first ever ‘concurrent’ stress testing exercise of the UK banking system. The new stress-testing framework builds on the previous approach taken by the...

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Rental data: Expanding financial access and inclusion...

Posted on Dec 15 2014 by
Despite new technologies and widespread innovation in financial services, there are still a lot of people who are ‘underserved’. Lenders and society alike could be missing out on a huge opportunity if this population...

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Personal insolvencies fall to pre-recession levels but who i...

Posted on Dec 10 2014 by
Low to middle income families see the highest rates of personal insolvency in the UK in the past year (Q3 2013 – Q3 2014) New figures published by Experian, illustrating where and for whom UK personal insolvencies are most...

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How do you make financial services relevant?...

Posted on Dec 05 2014 by
Over the last 15 years, many industries have been disrupted by the flood of information that the internet brings – and those that have embraced it have become highly relevant to their customers. Pre-qualification can make...

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2014 brought opportunities and challenges – what will 2015...

Posted on Dec 04 2014 by
During 2014 we have seen a variety of trends in the credit industry from the threat of rising interest rates, rising house prices and ever increasing regulatory pressure. With so much going on, and so many factors and...

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