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A centralized approach to data quality...

Data quality continues to be a challenge for many organizations....

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Bankcard utilization increases dramatically for lower ...

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...

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Gift cards continue to increase in popularity...

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...

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Driving value through customer loyalty and advocacy...

A comprehensive customer-experience strategy can give companies the competitive edge needed in a market where price, products and service can no longer be considered effective differentiators. Capturing customer insight is critical to developing a sound customer experience strategy, yet research shows that while 85 percent of companies collect such...

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Opportunities through the rise in smart devices...

According to the latest research by Experian Marketing Services, nearly a third of all Americans use at least one type of smart or Internet-connected device* (wearable fitness tracker, smart watch, smart TV, smart home technology). While smart TVs have generated the most consumer interest, at least 14 percent of...

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Bankcard growth trend continues...

According to a recent Experian credit-trend analysis, bankcard originations for all of 2014 totaled $318.7 billion, a 20 percent increase over 2013 originations of $266.5 billion. The growth trend demonstrates the importance of staying abreast of the latest credit trends in order to adjust lending strategies and capitalize on...

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More consumers are doing nothing after a data breach...

The experience of being a victim of data breaches has created a shift in consumer behavior and attitude over the past year. A recent Ponemon Institute study found that more than one-third of consumers ignored data breach notification letters, taking no action to protect themselves against fraud. To combat...

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Balancing customer acquisitions and fraud prevention...

While marketers typically spend vast amounts of money to increase customer acquisitions, fraud prevention can undercut those efforts. According to a recent 41st Parameter® study, average card-not-present declines represent 15 percent of all transactions; however, one to three percent of those declined transactions turn out to be false positives,...

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Many unscoreables are actually considered prime or nea...

According to research from VantageScore® LLC, 30 to 35 million people are not scored by the most popular credit-scoring models. When measured by more modern scoring methodologies — methods that leverage the data that exists in a person’s credit file better — as many as 10 million of these...

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