Open Banking

What opportunity does Open Banking present to the public sector?

Working for a Credit Reference Agency as a specialist in the Public Sector a key question I often receive from my clients is: Can we obtain actual income and expenditure data, for the following...

Blog - Jan 2020
Whose voice is it anyway? A future shift away from…

In a previous blog, I talked about unintended consequences and how factors such as gateway products can allow new attack vectors for fraudsters. As more organisations move towards digital journeys...

Blog - Nov 2019
Helping identify and pre-empt financial vulnerability

Using smart insights and intelligent decisions to protect people   The UK is seeing a rise in debt and levels of arrears, caused by a range of economic and social factors including stagnating...

Whitepaper - Oct 2019
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Webinar: Rethinking affordability in an open data world

12 months ago, we talked about some of the developments that we saw coming to market around affordability and the opportunities Open Banking would provide for provision of data. In this webinar, we...

Blog - Sep 2019
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...

Blog - Jun 2019
How insurance contributes towards financial inclusion and affordability

Financial inclusion, including affordability, is a core priority of regulators and businesses. Being able to offer the best-in-class experience and make accurate decisions is integral and an ongoing...

Blog - May 2019
Understanding the supply chain of a decision

How insurance contributes towards financial inclusion and affordability Financial inclusion, such as affordability, is a core priority of regulators and businesses and is causing change. With changes...

Whitepaper - May 2019
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
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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...

Blog - Feb 2019
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Age, attitudes and the economy: a look at the factors…

When assessing affordability, the more you know about an individual’s financial situation and behaviours the better. But to understand how their affordability might change over time, and how you...

Blog - Jan 2019
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Generational divide, economic influence and a universal view of a…

There’s an opportunity across financial services to help people in many ways. While today’s economy could be described as ‘nervous’, people’s economic attitudes are somewhat indifferent....

Blog - Nov 2018
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
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