Borrowing Britain’s affordability challenge

Posted on Mar 17 2014 by

In January 2014 Experian provided the BBC with new analysis highlighting where people in Britain are struggling to keep on top of their debts.

Using a combination of public records, lifestyle surveys and aggregated information from our credit reference agency about how we all pay our bills, we created a view of where people are likely to be struggling to keep on top of their debts.

Will you ramp up innovation in 2014?

Posted on Mar 17 2014 by

Analyst firm IDC expects 2014 to be a defining year for credit providers. Having emerged from the economic crisis leaner and more efficient than ever, UK lenders are expected to focus on innovation this year. Our own conversations with providers across the industry support IDC’s assertion. Growth is back on the agenda.

New rental data to be made available to credit providers

Posted on Mar 17 2014 by

With little or no credit history, millions of social housing tenants have been excluded from mainstream financial services and affordable credit, or paid a premium for access. The Rental Exchange, provides a route for rental payments to be incorporated into credit reports which in turn provides greater access to mainstream finance, such as credit cards, loans and mobile phone contracts.

Customer Lifetime Value part 1: quality and quantity

Posted on Mar 17 2014 by

How do you identify and engage the customers who are more likely to be loyal, first time and every time, for a long and mutually beneficial relationship? Lifetime Value modelling is one way to do this and offers great opportunities in the cross-channel world.

Data sharing: using business payment performance information

Posted on Mar 14 2014 by

In February 2012, a new set of rules were announced for businesses with an annual turnover of less than £632,000, allowing them to choose, if any, what financial information they disclose. With the loss of this basic information, what can be done to ensure that you can still make the right decision when it comes […]

A Call for Management Information

Posted on Mar 10 2014 by

The majority of risk managers recognize the need for appropriate risk based management information to allow them to measure change and take timely and effective action. They understand that taking proactive action in response to change can have a beneficial impact on the business operating model and on the profitability of the business. Read our blog to help you move towards leading practices.

The changing identity of UK fraud victims

Posted on Mar 05 2014 by

Affluent groups targeted less now than they were four years ago, while the reverse is now true for less wealthier groups.

Experian at EuroFinance – European Payments Summit in Frankfurt

Posted on Mar 04 2014 by

This week we will be attending and speaking at the European Payments Summit hosted by EuroFinance in Frankfurt – a one day conference on 7th March

Planning successful customer acquisition strategies

Posted on Mar 03 2014 by

At the planning stage it is important to assess these and understand how campaigns can be developed and refined over time. So what needs to be considered for a successful customer acquisition campaign?

Say hello to the right customers – and make it snappy

Posted on Mar 03 2014 by

Streamline document checking, improve the digital customer journey and tackle identity fraud.