Using Data to Spread Holiday Cheer this Season

Posted on Dec 17 2014 by


Black Friday has come and gone, and the holiday shopping season is in full swing. This year, retailers and economic experts alike have high hopes for robust spending and a needed economic boost. And so far the results look promising. On Cyber Monday, alone, the top online retail sites registered 242 million visits, followed closely by Black Friday’s 228 million visits. And according to a new survey from Experian Consumer Services, 36 percent of consumers plan to spend more on gifts this year than they did in 2013.

At Experian, everything we do is about putting insights into action. This entails formulating and analyzing insights that can help both consumers and businesses alike. We sat down with two of Experian’s leading experts, one from the consumer side of the business and another from our marketing services business, to find out more about the key trends that will define this holiday shopping season.

Guy Abramo, President, Experian Consumer Services and Matt Seeley, President, North America, Experian Marketing Services share their thoughts and insights below:

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Sixty percent of marketers are unsure of the cost of fraud to their organization

Posted on Dec 17 2014 by

Balancing holiday marketing efforts with fraud prevention requires a coordinated approach according to survey findings from 41st Parameter, a part of Experian. The survey results from 250 marketers released today, looks at the relationship between omnichannel retailing, fraud prevention and the holiday shopping season. The findings show that few marketers understand the full benefit of fraud-prevention […]

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Top Mobile Banking Trends

Posted on Dec 17 2014 by

The world of mobile devices is constantly changing—everything is faster, bigger and better, and consumers have become more savvy and discerning about the features and benefits that make their lives more convenient, and in many cases, more manageable.

I use my phone to do everything from simple tasks like checking email or Facebook, to downloading coupons, buying movie and concert tickets, to checking my bank balance and making deposits on the fly (which is such a great feature).

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Turning Insights into Action for Successful Data Breach Preparedness

Posted on Dec 12 2014 by

The growing prevalence of widely publicized data breaches is sparking a change in the attitudes of business leaders and consumers when it comes to cybersecurity.

Board members and the C-suite can no longer ignore the drastic impact a data breach has on company reputation, and consumers are demanding more communication and remedies from businesses after a data breach occurs. As a result, the topic is a high priority facing businesses and regulators in 2015.

The Experian Data Breach Resolution group serviced more than 3,000 breaches in 2014, the most in more than a decade of handling breach resolution. While our data breach services and identity protection products assist companies after a breach has occurred, our experience and insights help companies beforehand to plan and better protect their reputations in the aftermath.

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Experian Consumer Services [Video]

Posted on Dec 11 2014 by


How does Experian use data to help people get a firmer steer on their financial lives? In this film, our Experian CreditExpert customer Claire Barron tells us how we helped her get back on her feet, and we look at what’s next for our Consumer Services business.

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Experian Marketing Services [Video]

Posted on Dec 10 2014 by

In Marketing Services, we help our clients understand consumers and communicate in the right way, to the right people. This film reveals how we’re helping global charity phenomenon Movember and Europe’s biggest attractions company, Merlin, to make better marketing decisions.

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Experian Decision Analytics [Video]

Posted on Dec 08 2014 by


This film looks at how we’re helping client to expand banking services to new customers. It also uncovers how our expertise in software and analytics are helping financial services providers overcome some of their biggest challenges by making sound lending decisions.

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What it Means to Be a Top Workplace

Posted on Dec 05 2014 by

Experian has been named a Top Workplace by the Orange County Register.

This award means something special to us. We work really hard at making Experian a workplace where people feel good about spending their time. As you can imagine, this isn’t something that’s easy to measure. Being named as a “Top Workplace” is based on employee’s opinions of their employers.

The award validates that what we’re doing is working. It validates that Experian employees enjoy coming to work and like how things are going.

When we’re successful with our efforts to create a positive work environment, that’s a big deal. It’s important because it has a positive impact on our employees, consumers, our clients, and our community.

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Experian Verticals – U.S. Automotive (Video)

Posted on Dec 04 2014 by

Today, Experian operates across a number of different industry sectors known as Verticals. The US Automotive sector is a trillion dollar industry. Experian Automotive provides services to every part of the industry; manufacturers, lenders and dealers. In this film, we take a look at how our data can enable car dealerships to identify new customers and match them up with the right vehicle that they can afford.

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Credit Services: How We’re a Vital Part of Economic Life [Video]

Posted on Dec 02 2014 by

Why is Experian so vital to economic life? This film explores the role our Brazilian Credit Services business has played in a rapidly growing economy, and looks at the impact we’re having on businesses and consumers in Australia with the introduction of Positive Data.

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Inside Experian – Behind the Scenes [Video]

Posted on Nov 28 2014 by

The “Inside Experian” documentary was produced and directed by Martin Small.  In this “behind the scenes” interview, Martin talks about his approach to creating this documentary.

Martin Small is a documentary film-maker, whose work has been shown for many years at prime time on the main television channels in the UK. He specializes in business, politics and modern history, and has won a number of prestigious awards for his broadcast programs. He is married with 3 children and lives in London.

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Inside Experian – Documentary Film

Posted on Nov 27 2014 by

Come and take a look ‘Inside Experian’, a brand new documentary that lifts the lid on our global business – explaining who we are, what we do and how we’re helping people and businesses around the world to protect, manage and make the most of their data.

Seen through the eyes of our customers, employees and business leaders, Inside Experian takes a look at our origins — from London tailors in the early 1800s to rocket scientists — to breaking new ground as one of the original Big Data pioneers, right through present day where we take a glimpse at what the future holds in store.

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The Future of the Data-Driven Economy

Posted on Nov 24 2014 by

Earlier this week, I had the privilege of speaking before an audience of my peers in New York City at the Evanta CDO Executive Summit. I call this a privilege because every time one is allowed to share ideas and questions with others, it provides an opportunity for growth – growth that comes from being challenged on what really matters in a rapidly changing field.

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How Do Your Holiday Shopping Plans Stack Up? Experian Survey Findings

Posted on Nov 21 2014 by

Do you already have a plan for your holiday shopping game this year? A recent study commissioned by Experian Consumer Services shows that spending confidence continues to recover, with 11 percent of those surveyed saying they anticipate spending more than they did last year on holiday gifts. Respondents plan to spend an average of $757.57 this year, up from $721.96 in 2013.

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Experian Marketing Services executive named Woman of the Year at 2014 Stevie® Awards for Women in Business

Posted on Nov 20 2014 by

Experian Marketing Services’ senior vice president of global marketing, Ashley Johnston, was named the winner of a Gold Stevie® Award for Woman of the Year in Advertising, Marketing and Public Relations at the 11th annual Stevie Awards for Women in Business on Friday, Nov. 14, in New York City. Johnston was also recognized with a […]

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Big data helps businesses in big ways

Posted on Nov 19 2014 by

It’s no secret that businesses are what drive the U.S. economy. The exchange of goods and services for business large and small is what our society is built on. But, did you know that big data is actually a driving force in commerce? How, you ask? Businesses rely on data — just as we as consumers do — to form the basis for everyday decisions.

Experian has always been at the forefront of using big data, and over the years we have streamlined its uses to help drive commerce for the business community. Our commercial database contains unbiased information on more than 25 million active businesses in the U.S. However, data just scratches the surface of what we do. Our technology, analytical and consultative services help financial institutions and businesses (large and small) derive insights, which enable them to make more sound lending decisions, better manage their credit portfolios and acquire the right customers.

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Credit or Debit? Which one will save you $159K?

Posted on Nov 18 2014 by

Bankcard lending is trending upward, according to the 2014 Experian “State of Credit” report. One in 17 consumers obtained at least one bankcard this year, compared with one in 21 people back in 2013.

Consumers now carry an average of 2.18 bankcards apiece (an increase of 4.2 percent), and an average of 1.54 retail cards (a jump of 6.7 percent).

In other words, credit availability is on the rise. Can we do it smarter this time?

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State of Credit 2014

Posted on Nov 18 2014 by

Experian unveiled its fifth annual State of Credit report today, which provides a snapshot of consumers’ credit scores broken out nationally and by local market.

This year’s findings show that the nation’s average VantageScore has improved by two points since last year, coming in at 666. In the city listings, Mankato, MN takes the top spot with a VantageScore of 706 and Greenwood, MS residents have the lowest score of 609 in the study. While the report gives residents of certain cities reason to celebrate their higher scores, the study isn’t meant make the lower cities sing the blues. These types of data-driven insights are meant to help consumers — to give them a reason to be interested in credit, to want to understand and improve their financial well-being, and to become a more savvy credit user and manager.

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Good credit – an invaluable asset to businesses

Posted on Nov 17 2014 by

With Small Business Saturday quickly approaching, Experian wants to remind small business owners why it is important to have good business credit. Good credit scores – they’re not just for consumers. Businesses need them, too.

According to a recent Experian survey, only 33 percent of small business owners said they were able to get the capital they need to maintain satisfactory cash flow. Good business credit can help business owners receive the funding they need, as well as help them earn more favorable terms and lower interest rates.

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Experian named as one of the most innovative companies in the world

Posted on Nov 13 2014 by

Experian has been named to Forbes’ list of the top 100 most innovative companies in the world.

The world’s most innovative companies were united by one factor at the heart of Forbes’ methodology: ‘investors’ ability to identify firms they expect to be innovative now and in the future.

This ‘Innovation Premium’, alongside other factors, determined whether a company is included in Forbes’ exclusive list.

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Certified used vehicles are a “treasure” in smaller markets

Posted on Nov 12 2014 by

One of my favorite sayings growing up as a kid was, “One man’s trash is another man’s treasure.” While these words can have a very literal meaning, at its essence, it means that everything has a value to someone.

There couldn’t be a more fitting circumstance to apply this saying than when you look at the automotive industry, especially in relation to leased and certified used vehicles. After all, most certified used vehicles were once leases.

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Big Data: A Force for Good in Healthcare

Posted on Nov 11 2014 by

With all the discussions around the risks of big data, the fact that it can be used as a powerful enabler of good seems to be missed. The benefits of big data can be seen throughout our day to day lives from simple things like traffic alerts to more impactful purposes like those seen in today’s healthcare environment.

At Experian we serve more than 2,800 hospitals and 9,000 physician practices and use big data to help serve their patients as quickly and efficiently as possible. Our data and technology guides hospitals, physicians and patients step by step through an increasingly complex healthcare process.

With all the discussions around the risks of big data, the fact that it can be used as a powerful enabler of good seems to be missed. The benefits of big data can be seen throughout our day to day lives from simple things like traffic alerts to more impactful purposes like those seen in today’s healthcare environment.

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Join Experian at the #Money2020 conference in Las Vegas

Posted on Nov 04 2014 by

This week, Experian is participating in the Money 20/20 conference at the Aria Resort and Casino in Las Vegas. This premier conference highlights innovators that are profoundly changing how consumers and businesses manage, spend and borrow money. At the conference, Experian is providing a comprehensive view on customer intelligence and how we can be a data partner in helping businesses make powerful decisions that help acquire, grow and protect mobile customers.

The Experian team has hit the ground running and if you are attending the conference, be sure to check out all of the ways to meet up with us and stay connected.

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Analysis: Rental data proves to be a driving force in transforming consumers from unscoreable to scoreable

Posted on Oct 27 2014 by

For more than 20 years, Experian has been an advocate for full-file reporting, which means that we support the widespread reporting of alternative data—rental payments, utility payments and cellular telephone payments to name a few. For a large segment of the population, the reporting of these types of payments could provide opportunities to establish and/or build a credit file.

In 2011, Experian recognized that positive rental payment data was missing from credit files and could be an opportunity for 100 million renters to finally be rewarded and not overlooked simply because they rent instead of own the place they call home. With this in mind, we led the industry to start incorporating on-time rental payments to credit files through our Experian RentBureau business and utilized new technology that could score consumers previously deemed unscoreable. This investment opened the doors to underserved populations and helped moved the needle to becoming more financially inclusive.

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Independent research firm concludes that email marketers are poised to be industry leaders in cross-channel marketing

Posted on Oct 27 2014 by

New research shows email marketers are two times more likely than all other marketers to integrate customer data across all channels According to a commissioned study conducted by Forrester Consulting on behalf of Experian Marketing Services, maturity in cross-channel marketing is low and, despite the adoption of multiple channels in marketing programs, integration and coordination […]

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