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.

Personal insolvencies fall to pre-recession levels but who is still vulnerable?

Posted on Dec 10 2014 by

New figures published by Experian, illustrating where and for whom UK personal insolvencies are most prevalent, reveal the number of people being declared insolvent has fallen to pre-recession levels, with some towns showing markedly improved rates compared to the same period last year. Despite these findings, the figures also highlight the vulnerability facing young families.

Which channels are global marketers using this Christmas?

Posted on Dec 09 2014 by

Based on a global survey by Experian we take a look at which channels are preferred by marketers and the extent to which the individual channels are integrated.

The six elements of customer profiling

Posted on Dec 08 2014 by

Profiling your customers is an important step towards making your marketing more efficient and more effective. Whether you’re after your best customers, or if you think there’s a gap in the market, profiling is the way to go.

A customer journey in a cross channel world

Posted on Dec 08 2014 by

With digital being such a big part of consumers lives the customer journey isn’t how it used to be. With all these online channels, such as social media the journey customer’s make is a very different one. Read this blog to find out more.

3 Reasons why identity checking customers with personal questions needs real intelligence

Posted on Dec 05 2014 by

To protect themselves from account takeover fraud and to protect customers from the effects of identity theft many businesses need to check they are dealing with their genuine customer whenever and however they interact with them.

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.

2014 brought opportunities and challenges – what will 2015 bring?

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 considerations to take into account 2014 has been a challenging yet hopeful year. There is so much to consider. And this is just a selection of the trends we’ve seen during 2014. It is also expected that some, if not all, will roll into 2015.

The importance of understanding your audience

Posted on Dec 02 2014 by

Understanding your audience is the first and greatest step towards more efficient and effective marketing. Find out why in this interesting blog which discusses why audience is so important in the modern world.

Top-10 fraud trends we’ve seen in 2014

Posted on Dec 01 2014 by

This year has already been punctuated by a litany of high-profile frauds, ID thefts and data breaches. We know the fraudsters are flexible, fast, relentless and inventive. They’re also indiscriminate in who they target and will often simply opt for the easiest opportunities.