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25% year over year increase in mortgage originations

May 08 2015 by
Mortgage originations kicked off Q1 2015 with a 25% year over year increase to $315 billion. Additionally, mortgage delinquencies declined to 2.58%, the lowest delinquency level since 2007. Gaining insight into the latest...


Making a great first impression

May 01 2015 by
According to a recent Experian Marketing Services study, informational or "thanks for joining" messages drive significantly higher open and transaction rates than promotional emails, as well as higher revenue per email. Although...


Using data to understand customer preferences

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...


Authentication through device intelligence

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...


A centralized approach to data quality

Apr 22 2015 by
Data quality continues to be a challenge for many organizations. A recent Experian Data Quality study found that the majority of organizations have failed to optimize their data-management strategy, resulting in poor customer...


Bankcard utilization increases dramatically for lower tiers

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. Lenders can play a role in educating consumers...


Gift cards continue to increase in popularity

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....


Driving value through customer loyalty and advocacy

Feb 20 2015 by
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...


Opportunities through the rise in smart devices

Feb 20 2015 by
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...


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