Payments and Collections

Make and collect payments easily and cost effectively

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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What is SEPA 2.0? Three things it might (or might not) be...

Posted on Dec 10 2014 by
I’m not entirely sure we all agreed on what SEPA 1.0 was, but now talk has turned to SEPA 2.0. From the recent e-mails I’ve received and articles I’ve read there are several different angles as to what constitutes SEPA 2.0....

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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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5 key take-aways from the 2014 Credit Risk Summit...

Posted on Nov 28 2014 by
The theme of our 2014 premier event of the year – The Credit Risk Summit was one of ‘greater expectations’. Leading thinkers tackled the challenge of staying relevant and meeting the greater expectations of today’s...

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It’s not just account number checking – 3 extra benefits...

Posted on Nov 27 2014 by
Bank account validation is not is not just account number checking. This week our experts take a look into 3 extra benefits our customers are getting from bank account validation....

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3 things to be learned from the UK as Faster Payments go glo...

Posted on Nov 17 2014 by
In the UK the Faster Payments system has been up and running for 6 years. We’ve become used to sending and receiving money, if not quite in real-time then much faster than previously; in an increasingly rushed and hectic world...

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Back office legacy challenges facing new banking entrants...

Posted on Nov 14 2014 by
Setting up a bank in the UK is costly, time-consuming, heavily regulated and not easy.  As a result, the dynamic, start-up culture that drives innovation in many other sectors is less prevalent within banking and financial...

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3 occasions when validating bank account data isn’t enough...

Posted on Nov 07 2014 by
When I joined Experian almost four years ago I remembered struggling to understand the difference between bank account data validation and verification  - weren’t they both checking that bank account numbers were...

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7 day account switching – from both sides of the fence...

Posted on Oct 31 2014 by
I recently decided to take a well-known bank up on their offer of a current account with an attractive set of perks – and so I began the much publicised 7 day account switching journey. As someone with a little knowledge of the...

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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.