Data & Analytics

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Beyond Basic Data Sampling for Model Development...

Your model is only as good as your data, right? Actually, there are many considerations in developing a sound model, one of which is...

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I Can See Clearly Now: 4 Myths of Alternative Credit D...

Every morning, I wake up and walk bleary eyed to the bathroom, pop in my contacts and start my usual routine. Did I always...

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Alt Data Use by FinTechs: Q&A with Gavin Harding ...

Picking up where we left off, online FinTech lenders face the same challenges as other financial institutions; however, they continue to push the speed...

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Alt Data Use by FinTechs: Q&A with Gavin Harding ...

FinTechs seem to be the new Joneses. Everyone’s trying to keep up. I sat down with Gavin Harding, Senior Business Consultant with Experian Advisory...

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In lending as in baseball, Moneyball is no lon...

In 2011, data scientists and credit risk managers finally found an appropriate analogy to explain what we do for a living. “You know Moneyball?...

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Charging up: The story behind who’s buying electric ve...

While electric vehicles remain a relatively niche part of the market, with only 0.9 percent of the total vehicle registrations through June 2018, consumer...

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4 Features You Need in an Analytical Environment...

I believe it was George Bernard Shaw that once said something along the lines of, “If economists were laid end-to-end, they’d never come to...

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Machine learning and Extreme Gradient Boosting...

This is an exciting time to work in big data analytics. Here at Experian, we have more than 2 petabytes of data in the...

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A change in current: Electric vehicle market share sma...

Electric vehicles are here to stay – and will likely gain market share as costs reduce, travel ranges increase and charging infrastructure g...

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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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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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5 Secrets to Outsourcing Data Science Successfully...

The August 2018 LinkedIn Workforce Report states some interesting facts about data science and the current workforce in the United States. Demand for data...

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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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