Affordability

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...

Whitepaper - May 2020
How to cope with declining credit applications and quality

The COVID-19 outbreak is hitting new credit applications hard, with huge falls in new business and increasing risk within both prospective and existing customer pools. So, as a lender, what should...

Blog - May 2020
How to ease pressure on collections processes during the COVID-19…

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

Blog - May 2020
A guide to risk management in 2020  

Risk is changing. Are you ready for the opportunities and challenges? Businesses in the UK and around the world are facing a whole new range of potential risks, both in the short and long-term. As we...

Blog - May 2020
How data can provide the insight commercial lenders need now

It is already a well-worn adage that these are unprecedented times. But when it comes to managing credit risk it’s a particularly poignant truth. Unprecedented times come with uncertainty, and...

Blog - May 2020
How to reassess affordability in the light of COVID-19

The coronavirus pandemic has hit lending at an uncomfortable time. With growth already slowing and affordability stretched, new income uncertainty is straining customers’ resilience – yet their...

Blog - May 2020
How can Experian help you manage credit risk in a…

The circumstances we find ourselves in are unparalleled and changing daily. The way we prepare to weather the impact in the short term will be key to making sure its long-term effects are contained...

Blog - May 2020
Helping Automotive lenders assess customer affordability in a changing regulatory…

Over the past few years, the guidance from the regulatory bodies has become increasingly clearer for the automotive industry when considering their customers’ ability to pay. If we look back as...

Blog - Mar 2020
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...

Blog - Jan 2020
Helping identify and pre-empt financial vulnerability

Using smart insights and intelligent decisions to protect people   The UK is seeing a rise in debt and levels of arrears, caused by a range of economic and social factors including stagnating...

Whitepaper - Oct 2019
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Webinar: Rethinking affordability in an open data world

12 months ago, we talked about some of the developments that we saw coming to market around affordability and the opportunities Open Banking would provide for provision of data. In this webinar, we...

Blog - Sep 2019
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Experian Real Time Connections – Fast simple integrations

  Quickly stream and integrate our comprehensive data into your own systems, workflows, websites and products with our Business Information APIs (Application Programming Interfaces). Whether...

Video - Aug 2019