Economics WTOF

Assess the affordability of each customer...

Posted on Mar 31 2014 by
Increased regulatory focus and rising interest rates mean lenders need to revisit their measures of affordability ahead of changes. Accurately assessing both customers’ affordability and suitability are essential requirements...

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The role of a scorecard...

Posted on Mar 24 2014 by
Credit scoring has been common practice for many years now among banks and other financial institutions. Other industries are just starting to realise its benefits. Today, in our Big Data society, there is such an astronomical...

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UK Labour Market Statistics – December release...

Posted on Dec 19 2013 by
UK Labour Market Statistics – December release This month’s release from the Office for National Statistics showed continuing strength in the UK labour market. The key features for August-October 2013, compared with May-July...

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Collections scorecards and risk segmentation...

Posted on Dec 10 2013 by
The collections dynamics The collections dynamics based on different organisations and product portfolios (unsecured/ secured lending; revolving / non-revolving) can have a different timing split and use different terms for each...

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Welcome to analytics...

Posted on Nov 13 2013 by
During the past five-plus years as the recession hit, the use of data analytics to support business decisions may not have been one of your key drivers. Yet, as the UK returns to growth and the economic and regulatory climate...

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Black is the opposite of white...

Posted on Oct 21 2013 by
Black is the opposite of white. Optimise all areas of your customer spectrum quickly and efficiently. At the end of July 2013, according to Credit Action’s debt statistics report, the UK’s outstanding personal debt stood at...

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Is growth on the horizon?...

Posted on Aug 29 2013 by
Our revised forecast for GDP indicates that growth, albeit gradual, may well be on the horizon - the baseline forecast now stands at 0.9% for 2013. Further indications for growth include a modest increase in employment in the...

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Improving conditions allow mortgage approvals...

Posted on Aug 27 2013 by
The government’s Funding for Lending and Help to Buy schemes have begun to have an impact on the housing market, as house price growth is finally gaining some momentum. In contrast to earlier predictions of a flat housing...

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The real view of a customer journey...

Posted on Aug 23 2013 by
Banking is integral to your customers' lives, and how you choose to engage with them is an integral part of the relationship’s lifespan. How can you keep them loyal? Joe's Story for Banking illustrates a typical customer’s...

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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.