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.

Experian data literacy
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
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
NEWS: Bank of England announces interest rates rise. What do…

On 2nd of August the Monetary Policy Committee (MPC), voted to increase interest rates to 0.75% – rising by 25bps, as per our forecasts. This makes interest rates the highest they have been in...

Blog - Aug 2018
The open data opportunity for insurers

Outside of banking, many people’s knowledge of ‘Open Banking’ is quite sparse. I would define Open Banking as two things:  The use of APIs to share bank statement data: everything a consumer...

Blog - Jul 2018
Open data can now be categorised to bring value that…

“To extract value from open data, you need to categorise it. When you do, the results are...

Blog - Jul 2018
Rethinking Affordability

One of the most important considerations facing us as an industry is how we manage responsible lending. Last year (2017), the Financial Conduct Authority (FCA) began consulting on proposed changes...

Whitepaper - Jul 2018
Most regulation focuses on the customers and regulations across markets…

As regulators focus on the customer it means different market regulations are becoming largely similar. It is creating a uniform set of standards – let’s look at how: The GDPR requires every data...

Blog - Jul 2018
How data can help you get closer to your customers

It is unimaginable to build a digital strategy without ensuring your data is of quality, having a single customer view is also key.   In this short video, Richard Howells, Director of Insurance,...

Video - Jun 2018
How Experian are accessing data to drive decisions

2018 is the year of data. The amount of data now available to make valuable and important decisions is huge. Experian provide a variety of powerful decisioning tools to enhance the to customer...

Video - Jun 2018
Experian recognised for raising Consumer Awareness in Credit

Recent research carried out by Experian found there is limited financial information available on more than four million people in Britain, meaning they may find it difficult to access financial...

Blog - Jun 2018