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...
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...
Silos just won’t work anymore. But what will? Customer focus.
Figures show the people in the UK owed £1.532 trillion at the end of April 2017. This is up from £1.485 trillion at the end of April 2016 – an extra £886.84 per UK adult. May’s Office of...
What could a car industry remodelled around the digital customer…
Across multiple retail markets, businesses are refocusing operations to combat the disruptive effect of digital newcomers, who have thrived by providing exceptional service, convenience, and value...
Excellence in Credit Management through data insight
Faced with many potential sources of risk, all businesses need to take the time to consider what they can do to survive and flourish in this trading environment. At Experian, we are passionate about...
Zombies… what zombies?
I was drawn to a recent article in The Independent’s small business pages on corporate insolvencies entitled ‘It will take years to solve the zombie problem – if it...