Affordability

How private credit data can be used to enrich insurance…

In a highly competitive, unpredictable and ever-changing post COVID-19 market, the ability to make better informed decisions is critical. Credit reference agency (CRA) data has been used for many...

Blog - Aug 2020
Month in review: Customer affordability, inclusion and vulnerability

Each month, we analyse how things are continuously changing, or have changed; through our data, and through ongoing industry research. This month we are focusing on the impact of Covid-19 on consumer...

Blog - Jul 2020
A guide to artificial intelligence and machine learning

The challenges and opportunities for businesses There’s no doubt that artificial intelligence (AI) represents a huge opportunity for business. Gartner predict that the global AI economy is set to...

Blog - Jul 2020
The impact of income shock on consumers

As the effects of the COVID-19 pandemic ripple through the UK economy, income shock is felt by a significant proportion of the population. Business closures, job losses and massive income uncertainty...

Blog - Jun 2020
Transforming digital customer experience

In the past, interactions between customers and businesses happened face to face, or on the phone. This was true of every kind of transaction, from applying for a mortgage in a bank branch to cashing...

Whitepaper - Jun 2020
From hours to instant…the future of digital onboarding is here

Internet disruptors are making our lives easier and more convenient than ever. At the same time, internet brands have become to know what you want to buy almost before you do, and media streaming...

Whitepaper - Jun 2020
Experian CaaS is proven to reduce underwriting time by up…

Covid-19 is rapidly changing the personal financial circumstances of millions of consumers. Making it difficult for organisations to quickly assess vulnerability and identify customers that need...

Blog - Jun 2020
How to cope with declining credit quality

The COVID-19 outbreak hit credit applications hard. From the point of the UK lockdown, we saw an initial huge fall in new business, alongside increasing risk among prospective and existing customers....

Whitepaper - Jun 2020
June spotlight: helping you adapt, survive and thrive

A focus on collections  Each month, we analyse how things are continuously changing, or have changed; through our data, and through ongoing industry research. Clearly, trends are changing fast, but...

Blog - Jun 2020
Protecting your portfolio as the pandemic plays out

With crashing consumer confidence, a period of enforced business closures and life as we know it very much changed, the coronavirus pandemic has created huge shifts in underlying borrowing...

Whitepaper - Jun 2020
What could you do to tackle the debt collections challenge…

For collections teams, the coronavirus outbreak has created a paradox. How to deal simultaneously with escalating volumes, changing regulatory guidelines and high customer expectations – all while...

Blog - Jun 2020
By identifying vulnerable customers, you can create better collections strategies

Financial vulnerability has been a significant focus for lenders well before the COVID-19 pandemic began. This is expected to continue, with even more emphasis placed on proactively identifying and...

Blog - Jun 2020