Lending with Confidence: A Data-Led Analysis of the Mortgage Market
The UK’s property market jolted back into life this summer after an enforced quiet period during the COVID-19 lockdown. Mortgage applications in recent months have been significantly above the...
Delphi scores amidst a volatile economy
The Covid 19 containment phase has led to the deepest recession in UK history with the worst impacts yet to be seen due to the furlough scheme and emergency payment holidays (EPH). As these...
Scenario modelling, stress testing and IFRS 9 – updating in…
Relevant scenario modelling In today’s world, we need to be more forward thinking than ever and the current climate, which none of us could have predicted, has meant scenarios led purely by macro...
How can you quickly understand what the pandemic means for…
Nearly every business has felt the impact of the market or economic reaction to Covid-19. Some businesses are seeing these impacts as a short to mid-term challenge whereas others see their entire...
How do I determine, or identify, who to lend what…
Balancing lending terms can be a complex calculation. Get the mix right and it can be rewarding for both you as an organisation, and your customer. As time changes, so does business appetite and...
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...
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...
How has the economy changed, and how will it change?…
At Experian we are in the unique, and unrivalled position of being able to look back, and forward across the credit economy. This unique view is driven by access to our in-house experts within our...
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...
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...
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, ...
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...