Affordability

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
10 steps for gaining consent in an open-data world

From the GDPR to Open Banking, the PSD2 to the FCA’s new emphasis on affordability, regulators and government have led a systemic shift towards empowering the customer. Today it is customers, not...

Blog - Aug 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
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
Three questions on Open Banking

The most common questions that we are asked about Open Banking relate to three issues: First: is it safe? It is as safe as the online banking services we have used for years. Organisations are...

Blog - Jun 2018
Experian approved to offer Open Banking services by the FCA

We have been granted approval by the FCA to offer Open Banking services. This exciting development means we can support the Open Banking initiative so that data can be shared securely and with...

Blog - 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
How can Experian help you deliver a digital customer journey?

To deliver a frictionless customer journey companies are turning towards third parties, in particular Fintech’s who can support the customer experience from brining new thinking and innovative...

Video - May 2018
2 minutes on why compliance IS a good thing for…

Some see compliance as a barrier. And this perceived ‘challenge’ of compliance – the need to treat customers fairly and always help, respect and protect their interests – can mean some are...

Blog - May 2018
16 weeks after Open Banking was brought to market

Open Banking was born out of the Open Banking Standards (OBS) report published in December 2015. The subsequent Open Banking remedy issued by the Competition and Markets Authority (CMA) in 2016...

Blog - May 2018
Watch how open banking APIs bring UK banking to the forefront of innovation
Open Bank APIs bring UK banking to the forefront of…

The emergence of open banking APIs into the UK is a landmark event in our opinion. It puts the UK ahead of the world and enables better products, services and better practices to be created. From...

Video - Feb 2018