Data Sharing

5.8 are credit invisible, and 2.5 are excluded from finance…

In this blog, we explore how the lending industry can make credit more inclusive. More than 5.8 million people in the UK are excluded from large parts of the credit market, either because they have...

Blog - Apr 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
10 steps for gaining consent in an open-data world

From the GDPR to Open Banking, the PSD2 to the FCA’s new emphasis on affordability, regulators and government have led a systemic shift towards empowering the customer. Today it is customers, not...

Blog - Aug 2018
What motivates people to share their data?

There are three main reasons why people share their data with organisations. The first is proximity of purpose: they’re in the moment and need to share data at that point in time. They want to...

Blog - Jul 2018
How, and why Experian created the iCache and the benefits…

Insurance application fraud is on the rise. With a 12% leap in 2014-15 alone, it’s a real risk, but one you can avoid. Experian have a vast amount of data to help reduce any risks, helping insurers...

Video - May 2018
Delivering value in the digital age

Today’s world runs on data. We all leave footprints in the digital world, from the profiles we build of ourselves online, to the countless internet searches we conduct each week, to the...

Whitepaper - Dec 2017
Financial management: 6 examples of how Open Banking will help…

Imagine a world where data is shared in an instant, including a customer’s bank statement. That world isn’t imaginative, it’s soon to be...

Blog - Nov 2017
How business data can enhance commercial lending

When it comes to commercial lending, data quality and data quantity are important. With business data often limited in what’s...

Blog - Nov 2017
How do you prepare for Open Banking? Here are 6…

Business models are shifting and new technical challenges lie ahead with the implementation of Open Banking. Open Banking will provide a much deeper understanding of your...

Blog - Nov 2017
Data sharing in the SME environment

Commercial customers are no different to consumers. The way they are serviced by financial services may lag behind slightly in regards to processes and technology, but they are still people. I...

Blog - Oct 2017
standup-project-meeting-large
What does the world we are entering look like? Innovative,…

For me, innovation is bringing new products and services to the marketplace. What I am seeing, certainly in the data driven world, is huge changes in technology and regulation. What this means is it...

Blog - Oct 2017