responsible lending

The economic impact of Covid-19 on businesses and commercial lending…

It’s clear that the country is facing one of our most challenging economic times. Lockdown meant many businesses were unable to operate. Now as we return to normality and businesses begin to...

Whitepaper - Jun 2020
How to cope with declining credit applications and quality

The COVID-19 outbreak is hitting new credit applications hard, with huge falls in new business and increasing risk within both prospective and existing customer pools. So, as a lender, what should...

Blog - May 2020
How data can provide the insight commercial lenders need now

It is already a well-worn adage that these are unprecedented times. But when it comes to managing credit risk it’s a particularly poignant truth. Unprecedented times come with uncertainty, and...

Blog - May 2020
How to reassess affordability in the light of COVID-19

The coronavirus pandemic has hit lending at an uncomfortable time. With growth already slowing and affordability stretched, new income uncertainty is straining customers’ resilience – yet their...

Blog - May 2020
Managing increased risk in your commercial lending portfolio

UK businesses have been hit hard by the COVID-19 pandemic. Many can no longer operate due to lockdown and we know from our own economic analysis, that more than half of small businesses hold only...

Blog - Apr 2020
Helping Automotive lenders assess customer affordability in a changing regulatory…

Over the past few years, the guidance from the regulatory bodies has become increasingly clearer for the automotive industry when considering their customers’ ability to pay. If we look back as...

Blog - Mar 2020
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Changing the game in equipment finance and helping businesses get…

Q&A with PEAC Finance’s Stephen Fenton At Experian our mission is to help enable our customers to power data-driven opportunities that support innovation and better customer experiences....

Blog - May 2019
Alternative finance challenging mainstream lending

Before the concept of alternative finance or peer to peer lending was born, borrowing money off high street banks to start your first business or to grow it was just about one of the only options...

Blog - Jun 2016
Fraud, identity and the emerging Internet of Things

While we're not directly producing IoT “things,” we work with companies and organisations that do, to help them safeguard their customers and themselves from the impact of...

Blog - Jun 2016
Fraud costs UK economy £193 billion a year – equating…

New research shows fraud costs the UK economy £193 billion a year - equating to More than £6,000 lost per second every...

Blog - May 2016
Top tips to safeguard security when plugging in to the…

We're offering advice for both businesses and individuals to help them improve security and manage the risks that come with using internet-enabled products - also known as the Internet of Things...

Blog - May 2016
Fraud increases by a fifth in one year

Large payments have been diverted and fraudsters have disappeared with the money. We are also seeing an increase in impersonations of the deceased within mortgage fraud. Fraudsters use the ID of...

Blog - May 2016