Decision Management

Creating a friction free digital customer experience

The rise of digital created certain expectations about how much easier the digital journey should be for the customer. In reality the customer experience has often been the opposite. Customers are...

Video - Nov 2018
The open data opportunity for insurers

Outside of banking, many people’s knowledge of ‘Open Banking’ is quite sparse. I would define Open Banking as two things:  The use of APIs to share bank statement data: everything a consumer...

Blog - Jul 2018
Three questions on Open Banking

The most common questions that we are asked about Open Banking relate to three issues: First: is it safe? It is as safe as the online banking services we have used for years. Organisations are...

Blog - Jun 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
16 weeks after Open Banking was brought to market

Open Banking was born out of the Open Banking Standards (OBS) report published in December 2015. The subsequent Open Banking remedy issued by the Competition and Markets Authority (CMA) in 2016...

Blog - May 2018
Navigating the components of Open Banking

Open Banking will bring new challenges for lenders – their technology and IT infrastructure. Banks that are mandated to share data are carrying the cost of bringing Open Banking to market. But,...

Whitepaper - Jan 2018
How can technology play a part in digital mortgages?

We live in a technology enabled generation where customers take for granted that access to almost anything is available on your mobile phone. UK mortgage lenders operate in a process driven market...

Blog - Dec 2017
Open banking brings control, consent and value

Open Banking is based on a set of open bank APIs. Designed to open up more choice, more coverage and more products and services to democratise services to be available to all. It will provide a...

Video - Dec 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
Open Banking – Embracing change in Financial Services

The arrival of Open Banking next year will require the financial services industry to become more focused on the needs of the customer. This isn’t a bad thing. Quite the contrary, it offers...

Blog - Oct 2017
How organisations can learn from disruptive innovators

Innovation has changed all markets and sectors, shifted us to an ‘always-on’ culture, and placed new-entrants and competitors at the centre of an environment where constant evolution is the norm....

Blog - Sep 2017
Digital transformation: banks need to think ahead … but not…

Customers now expect fast, efficient services as part of their everyday lives. Digital transformation is an on-going active programme for most large banks. It costs money, takes time and uses...

Blog - Aug 2017