Credit Risk

BusinessIQ – Making and managing the right credit decisions

Managing commercial credit is no walk in the park. You’re trying to help your business grow and mitigate risk whilst keeping bad debt to a minimum and run an efficient team. The decisions you...

Video - Aug 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
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International Credit Risk Reports

  Trading globally can present a number of business challenges like: lack of transparency, making it hard to evaluate risk. It can create difficulty gaining access to information you trust, ...

Video - Aug 2019
Trended Data: Build a fuller picture of your customer’s credit…

A customer’s credit profile can improve or deteriorate over time…can you confidently say you know enough about your customer’s personal spending and payment history to accurately identify...

Blog - Jun 2019
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Rising persistent debt and arrears stems a need for lenders…

The financial services sector has a huge opportunity to better understand each applicant and customer today. The rise of data, and requisite analytical and technological power, provide new...

Blog - Feb 2019
Experian data literacy
How can data sharing enhance credit risk modelling?

Data sharing can enhance credit risk modelling in multiple ways. Open Banking provides a much deeper understanding of an individual. Until now credit scoring has been built on the use of historical...

Video - Oct 2018
How categorisation and aggregation bring open banking to life

There’s a big opportunity around real-time exchange and aggregation of bank statements in association with other complementary data such as credit information. Part of the opportunity lies 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
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
Don’t focus just on interest rates. There are many economic…

This time last year we were talking about the forthcoming squeeze on incomes. Inflation was comparatively low, and wage growth was quite strong. But, the latest economic data confirms that today...

Blog - Mar 2018
The role and value of APIs in modern business

More data is in circulation than ever before and technological advancements have been significant in response to this. However, more than a third of businesses now express concern over how they can...

Blog - Dec 2017
Commercial credit landscape: 3 areas of focus to survive and…

Commercial credit in the UK is undergoing huge change. It’s all about the customer. Providers creating a greater emphasis on customer experience will be sure to have an advantage. What’s...

Blog - Oct 2017