Using data to understand customer preferences

Posted on Apr 27 2015 by

In today’s data driven world, decisioning strategies can no longer be one-dimensional and only risk-focused. By employing a multidimensional decisioning approach, companies can deliver the products and services customers need and want.

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Authentication through device intelligence

Posted on Apr 23 2015 by

With more than one-third of customers interacting with a single business in five or more channels and more than 85 percent of consumers using online or mobile to conduct business, omnichannel fraud prevention has become a necessity. Implementing a layered approach to authentication and integrating device intelligence into the process to associate a consumer with […]

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A centralized approach to data quality

Posted on Apr 22 2015 by

Data quality continues to be a challenge for many organizations.

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Bankcard utilization increases dramatically for lower tiers

Posted on Apr 21 2015 by

While the average bankcard utilization rate hovered around 20% during the last quarter of 2014, utilization rates can vary greatly when analyzed by VantageScore® credit tier.

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Gift cards continue to increase in popularity

Posted on Apr 16 2015 by

Gift cards are the most requested gift item and have been for the last eight years. Merchants love gift cards because they take up very little space and the recipient often ends up spending more than the value of the gift card.

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Minnesota dominates top 10 list

Posted on Dec 19 2014 by

Experian’s most recent State of Credit report analyzed the average credit scores for more than 100 metropolitan statistical areas (MSAs).

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A mobile-centric approach to acquisitions

Posted on Oct 27 2014 by

The ubiquity of mobile devices provides financial services marketers with an effective way to distribute targeted, customized messages that appeal to a single shopper — a marketing segment of one.

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Balance transfers: a profitable opportunity

Posted on Oct 17 2014 by

Card-to-card balance transfers represent a substantial profit opportunity for lenders.

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The diversity of technology complicates customer authentication

Posted on Oct 09 2014 by

According to a recent 41st Parameter® study, 85 percent of consumers use online or mobile channels to conduct business.

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Credit unions tailgate captive auto lenders

Posted on Oct 02 2014 by

Auto loan originations reached $153 billion in Q2 2014, which was a 16 percent increase over the same quarter last year. While the largest contribution came from captive auto lenders at $47 billion (a 14 percent increase), credit unions experienced the largest year-over-year increase of 35 percent, with originations reaching $37 billion in the latest […]

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