Customer Targeting & Segmentation

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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’...

Read More The questions card portfolios should address in the post-holiday months
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
What lenders can learn from their customers’ car...

If someone asked you for stats on your retail card portfolio, would you respond with the number of accounts? Average spend per month? Or...

Read More What lenders can learn from their customers’ card transactions
The struggle is real...

Our national survey found that consumers struggle to find a credit card that meets their needs. They say there are too many options and...

Read More The struggle is real
Utilizing a customer journey map – from acquisitions t...

Everyone loves a story.  Correction, everyone loves a GOOD story. A customer journey map is a fantastic tool to help you understand your customer’s...

Read More Utilizing a customer journey map – from acquisitions through collections
National Hispanic Heritage Month is Sept. 15 to Oct. 1...

With 1 in 6 U.S. residents being Hispanic, now is a great time for financial institutions to reflect on their largest growth opportunity. Here...

Read More National Hispanic Heritage Month is Sept. 15 to Oct. 15
Direct-mail credit marketing: Packing a punch with pri...

Direct mail is dead. It’s so 90s. Digital is the way to reach consumers. Marketers have heard this time and again, and many have...

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How lenders can win with a data-driven credit marketin...

Many institutions take a “leap of faith” when it comes to developing prospecting strategies as it pertains to credit marketing. But effective strategies are...

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Using trended data for deeper lending...

Historical data that illustrates lower credit card use and increases in payments is key to finding consumers whose credit trajectory is improving. But positive...

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How Experian’s DataLabs built a first-ever “texting fo...

This summer, Experian is releasing the market’s first-ever credit solution that enables consumers to apply for credit with a simple text message. Utilizing patent-pending...

Read More How Experian’s DataLabs built a first-ever “texting for credit” solution
Gen Z and credit...

There’s a new crew coming of age. Enter Generation Z. Gen Z — those born between the mid-1990s and the early 2000s — makes...

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First wave of Gen Z entering credit ranks...

Millennials have long been the hot topic over the course of the past few years with researchers, brands and businesses all seeking to understand...

Read More First wave of Gen Z entering credit ranks