Market Trends

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Knowing What You Don’t Know...

“We don’t know what we don’t know.” It’s a truth that seems to be on the minds of just about every financial institution these...

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It’s the most wonderful time of the year (for fraud)...

It’s the holiday season — time for jingle bells, lighting candles, shopping sprees and credit card fraud. But we’re prepared. Our risk analyst team...

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How to Kick Off the Season for Swiping (Credit Cards)...

The winter holiday festivities are underway, and when it comes to the local malls, the holiday spending spirit seems to have already been in...

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The rise of synthetic identity fraud and children...

Synthetic identities come from accounts held not by actual individuals, but by fabricated identities created to perpetrate fraud. It often starts with stealing a...

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The future of EVs: “greener” pastures...

There are four reasons why the auto industry should be enthusiastic about the electric vehicle segment’s f...

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The Demand for Electric Vehicles Boils Down to the Rig...

Where are electric vehicles most popular? During the first half of the year, 3.6 percent of all new registrations in California were...

Read More The Demand for Electric Vehicles Boils Down to the Right Market
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?...

Read More In lending as in baseball, Moneyball is no longer enough
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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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...

Read More A change in current: Electric vehicle market share small, but growing
Consumers continue to withstand higher vehicle costs...

Vehicle prices are going up, yet consumers seem unfazed. Despite consumers taking out larger loan amounts, they continue to make their monthly payments on...

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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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What is Alternative Credit Data?...

Traditional credit data has long been the end-all-be-all ruling the financial services space. Like the staple black suit or that little black dress in...

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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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Majority Rules: Lower income-earners’ spending and cre...

Lower income-earners, which make up 60% of Americans, are the vehicle driving the U.S.’s booming economy. While the top 40% of earners usually direct...

Read More Majority Rules: Lower income-earners’ spending and credit profile