Customer Targeting & Segmentation

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Pricing optimization: understanding a customer’s price...

How a business prices its products is a dynamic process that drives customer satisfaction and loyalty, as well as business success.  In the digital...

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Getting Beyond the Binary to Solve the Business Proble...

If your company is like many financial institutions, it’s likely the discussion around big data and financial analytics has been an ongoing conversation. For...

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Is Big Data a Big Problem?...

Big Data is no longer a new concept. Once thought to be an overhyped buzzword, it now underpins and drives billions in dollars of...

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9 Ways to Make Hispanic Engagement Part of Your Credit...

With Hispanic Heritage Awareness Month underway and strategic planning season in full swing, the topic of growing membership continues to take front stage for...

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Machine learning for real-world credit risk...

Machine learning (ML), the newest buzzword, has swept into the lexicon and captured the interest of us all. Its recent, widespread popularity has stemmed...

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Credit card trends and usage looking favorable in 2018...

Consumer confidence is nearing an 18-year high. Unemployment figures are at record lows. Retail spend is healthy, and expected to stay that way through...

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Q&A with AFSA on the state of alternative data...

As more financial institutions express interest and leverage alternative credit data sources to decision and assess consumers, lenders want to be assured of how...

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When Enough Isn’t Enough — Resampling Techniques for M...

As I mentioned in my previous blog, model validation is an essential step in evaluating a recently developed predictive model’s performance before finalizing and...

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Understanding Validation Samples Within Model Developm...

An introduction to the different types of validation samples Model validation is an essential step in evaluating and verifying a model’s performance during development...

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New analysis on the state of alternative credit data...

The traditional credit score has ruled the financial services space for decades, but it‘s clear the way in which consumers are managing their money...

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Hispanic Home Ownership is on the Rise...

Hispanics are not only the fastest growing minority in the United States, but according to the Hispanic Wealth Project’s (HWP) 2017 State of Hispanic...

Read More Hispanic Home Ownership is on the Rise
Transforming Shopping Experiences: Experian’s Text for...

At Experian, innovation is at the heart of our culture. We strive for continuous improvement, from finding new ways to better use data to...

Read More Transforming Shopping Experiences: Experian’s Text for Credit Solution Wins Innovation Award for Consumer Lending
Designing a robust customer segmentation — Evaluation ...

In my first blog post on the topic of customer segmentation, I shared with readers that segmentation is the process of dividing customers or...

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Designing a Robust Customer Segmentation — Generation ...

Marketers are keenly aware of how important it is to “Know thy customer.” Yet customer knowledge isn’t restricted to the marketing-savvy. It’s also essential...

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Industry’s first tri-bureau trended attributes to help...

Traditional credit attributes provide immense value for lenders when making decisions, but when used alone, they are limited to capturing credit behavior during a...

Read More Industry’s first tri-bureau trended attributes to help lenders better serve consumers