Customer Targeting & Segmentation

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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...

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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...

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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...

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Big data: Accessing and utilizing the insights on 220 ...

Expert offers insights into turnkey big data access   The data is out there – and there is a lot of it. In the world...

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How to successfully launch new products in a dynamic e...

Are you ready to launch a new product to capture the revenue growth opportunities in today’s market? The competition is heating up for new...

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Personalized Marketing in Financial Services...

Consumers are hungry for more personalized marketing, and I’m an actual example. As a new stepmom to two young kids, who has a full-time...

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A Unique Approach to Reject Inference Design...

You’ve been tasked with developing a new model or enhancing an existing one, but the available data doesn’t include performance across the entire population...

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The questions card portfolios should address in the po...

Early reports suggest the 2017 holiday season was a good one for retailers. Consumers were in the mood to spend, and as such, Americans’...

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Use of Swap Sets to Measure Impact of Model Changes...

You just finished redeveloping an existing scorecard, and now it’s time to replace the old with the new. If not properly planned, switching from...

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Digging deeper to understand complex consumer credit b...

The credit card marketplace is a crowded and complex landscape. Recent research by Experian shows the average U.S. consumer has 3.1 credit cards and...

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Expert insights on the state of retail in 2017 and bey...

As we enter the holiday season, headlines abound around the shifts and trends in retail. How are consumers shopping? What are they buying online versus...

Read More Expert insights on the state of retail in 2017 and beyond