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Persistent Debt – a challenge for the whole industry
Persistent debt, where a consumer pays more in interest and charges on their credit or store card than they pay off their balance, is likely to be a challenge for more than just the lender of that...
Public Sector: Does Fraud Detection need a jumpstart?
Traditional approaches and legacy point fraud management platforms have limitations that can result in too many false positive alerts to investigate and high operational costs, a condition that...
AI, Counter Fraud and the Government: Opportunities in emerging technologies?
Best estimates for the UK public sector suggest that between £31bn and £53bn is being lost from the public purse to fraud and error each year. This is a challenge that requires a constant effort to...
The evolution of small business lending using additional alternate data…
How can you make business lending faster and more manageable? The business lending market continues to go through change. Lenders want to lend, and businesses want to borrow. However, meeting this...
Frictionless Digital Journeys
Getting your customers into your business – especially via digital routes – is a high priority for businesses today. With McKinsey research suggesting that 85% of customers are lost as they try...
Reducing risk in an unpredictable economic climate
All industries operate in an environment of constant flux, but the explosion of connected digital technology has caused the pace of change to accelerate significantly. In recent years we have moved...
Risk in an open data world
In an ideal world, customers would be granted credit only if they can afford to repay in a sustainable manner and without harming their overall financial situation. In practice, this can never be...
Joining the dots
The digital age is upon us and its impact is front of mind for most organisations. Growing consumer expectations and digital demands require companies to respond faster and with more granularity than...
Trading internationally: 5 top tips to help protect your business
“Doing business internationally presents major growth and revenue opportunities. But doing business on today’s global stage requires a due diligence strategy that helps you minimise financial and...
What opportunity does Open Banking present to the public sector?
Working for a Credit Reference Agency as a specialist in the Public Sector a key question I often receive from my clients is: Can we obtain actual income and expenditure data, for the following...
Embedding Data and Analytics into the Counter Fraud profession in…
Over the past few years, the role of data and advanced analytics has grown significantly across Government. Despite this though, the sentiments above are still common when talking about data. The use...
Case Study: Aegon reunite lost customers with pension funds
Aegon use Experian’s tracing solutions to help find uncontactable customers and reunite them with assets owed to them. Tracing lost or ‘goneaway’ customers is a challenge faced by many...