credit lifecycle

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
Unlocking affordability – A pivotal tool on the road to…

Nobody was ready for the Coronavirus outbreak, or the pandemic that so quickly unfolded. Its impacts – personal, social and economic – have been, and will continue to be, huge and unprecedented....

Whitepaper - Jun 2020
Polarisation in credit applications

UK businesses have been hit hard by the impact of Covid-19. Many are no longer operating anywhere near to capacity following the lockdown. We also know from our own economic analysis, that more than...

Whitepaper - Jun 2020
Risk policies for the ‘New Normal’

UK businesses have been hit hard by the impact of Covid-19. From the point the UK was locked down, it was clear more than half of businesses only held enough cash reserves for a month. Some sectors...

Whitepaper - Jun 2020
Changing risk profiles across your portfolio

UK businesses have been hit hard by the impact of Covid-19. We also know from our own economic analysis, that more than half of small businesses hold only enough cash to survive for a few months....

Whitepaper - Jun 2020
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 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
How to handle portfolio changes caused by the COVID-19 outbreak

With crashing consumer confidence, enforced business closures and life as we know it changed, the coronavirus pandemic is creating huge shifts in underlying borrowing characteristics and, inevitably,...

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 to effectively manage consumer credit risk in a turbulent…

Before the coronavirus outbreak even began, the UK was seeing a weakening, slowing economy. Then came the virus, and the social distancing measures introduced to slow its spread. Together, they’ve...

Whitepaper - May 2020
Managing increased risk in your commercial lending portfolio

UK businesses have been hit hard by the COVID-19 pandemic. Many can no longer operate due to lockdown and we know from our own economic analysis, that more than half of small businesses hold only...

Blog - Apr 2020
What your business credit score means and how to improve…

Credit scores are like birth certificates: you know you have one, you know it’s important, but have you seen it recently? Probably not. In this article, we explain what goes into your business...

Blog - Mar 2017