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...
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...
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...
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...
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...
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...
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...
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...
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...