Making the right decisions is a vital part of being successful in business; whether interpreting analytics and insight, consumer and commercial credit risk or automation processes. Our in-house experts develop the tools to help you in your daily decision making and we share their knowledge and expertise right here, with you.

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Making the invisible visible

Meet the UK’s ‘Invisible’ population – 5.8 million people who are virtually indiscernible to the mainstream financial system, because there is little or no information available on their...

Report - Mar 2019
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Rising persistent debt and arrears stems a need for lenders…

The financial services sector has a huge opportunity to better understand each applicant and customer today. The rise of data, and requisite analytical and technological power, provide new...

Blog - Feb 2019
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Age, attitudes and the economy: a look at the factors…

When assessing affordability, the more you know about an individual’s financial situation and behaviours the better. But to understand how their affordability might change over time, and how you...

Blog - Jan 2019
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Is there still a generational divide?

Across generations there is a clear divide. Experian’s Financial Strategy Segments (FSS) tool shows that, for several groups of the population, there’s a strong link between life stage and...

Blog - Jan 2019
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The benefits of using a software platform for decisioning

An organisation that wants to make customer orientated decisions needs a software platform to implement decisioning. Having multiple data sources feeding into a system can be challenge but automation...

Video - Dec 2018
Creating a friction free digital customer experience

The rise of digital created certain expectations about how much easier the digital journey should be for the customer. In reality the customer experience has often been the opposite. Customers are...

Video - Nov 2018
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How can data sharing enhance credit risk modelling?

Data sharing can enhance credit risk modelling in multiple ways. Open Banking provides a much deeper understanding of an individual. Until now credit scoring has been built on the use of historical...

Video - Oct 2018
Faster, quicker customer decisions – now you can

Consumer lending has always been a competitive marketplace, but in recent years the level of competition has increased. Customers have easy access to product and price comparison sites, meaning price...

Blog - Oct 2018
How to drive value from a true view of a…

As the world is moving towards a more customer-centric way of doing business it is important to understand what their view of a consumer is across all the multiple accounts they hold. Regulatory...

Video - Oct 2018
Understanding the tipping point of vulnerability

Today there is an opportunity presented by data and analytics to better understand an individual’s circumstances. To be able to make decisions that are built on more enhanced insight, to therefore...

Infographic - Sep 2018
Risk in an open-data world

In our last White Paper: Rethinking affordability, we explored the increasing role of affordability in lending. At Experian, we welcome the FCA’s distinction between credit risk and...

Whitepaper - Sep 2018
How categorisation and aggregation bring open banking to life

There’s a big opportunity around real-time exchange and aggregation of bank statements in association with other complementary data such as credit information. Part of the opportunity lies in...

Blog - Aug 2018