Business to Business Insights

71 Business to Business Insights assets found.

  • Webinar: Q3 2017 Quarterly Business Credit Review
    Webinar Published Date: Dec 13, 2017

    Experian and Moody's Analytics experts present insights from the most recent Experian/Moody's Analytics Main Street Report for Q3 2017.

  • Data migrations begin (and end) with data quality
    Document Published Date: Sep 15, 2017

    Most companies are likely to undergo a data migration project at some point. Our 2017 global data benchmark report revealed that 83% of data migrations fail or exceed their budgets and schedules. Given all this business investment, doesn't it make sense to invest in the quality of data being migrated before it costs your organization?

    This white paper takes a look at the biggest obstacles in data migrations, how to complete a migration project in time and on budget, and provides a pre-migration impact assessment checklist to ensure your data migration success.

  • Webinar: Q2 2017 Quarterly Business Credit Review
    Video Uploaded Date: Sep 15, 2017

    Experian and Moody's Analytics experts present insights from the most recent Experian/Moody's Analytics Main Street Report for Q2 2017.

  • Cabot Credit Management data governance case study
    Document Published Date: Aug 23, 2017

    From data governance to migration to regulatory compliance, financial services organizations have a lot of priorities to juggle. Cabot Credit Management is a market leader in credit management services and looked to a data governance tool to help implement their data governance strategies and meet business objectives.

    Read about how Experian Pandora successfully integrated into Cabot's critical business elements and helped them monitor and continuously improve their data in real time.

  • Financial services firms have vast quantities of data, much of which is used during the course of their day-to-day operations. However, many fail to fully exploit that data, due to a combination of inadequate systems and siloed teams. Not only that, concerns over the quality of that data result in process duplication as teams feel the need to redo reports they have received.

    Take a look at how Schroders Bank used Experian Pandora, a data management solution to identify data issues and assure the quality of their investment data.

  • As organizations today look to their data to power business opportunities, the role of the chief data officer (CDO) is becoming increasingly mission-critical. While the value a CDO brings to businesses is widely acknowledged by C-level executives, not all CDOs are set up for success. In our latest research report, Experian Data Quality spoke with over 50 CDOs to understand how their roles have changed in recent years, and how the realities of the position may differ from CDOs' expectations.

  • Small businesses have varying credit needs which evolve as the business matures from inception to maturity. Experian sought to understand what kinds of credit these businesses needed at different stages of the business lifecycle and how lenders could best serve small business by offering right sized capital at the optimal time. The analysis involved a study of trade credit profiles for one million businesses between 2010 and 2016 and the results are surprising and compelling.

    By watching this webinar you will learn:

    • The types of loans businesses secure change as they evolve and mature;
    • As businesses grow, they establish more trade credit and rely less on financial loans
    • Each industry showed unique pattern of loan opening behavior
  • As people age, so do their needs. The same is true for businesses, especially in terms of how they handle credit. A startup company with few customers is likely to need more commercial loans than an established business with a strong customer base and predictable cash flow. On the other hand, a mature company is likely to have many open tradelines with the suppliers with which it has built long-term relationships.

    But there are some notable exceptions to this pattern, as we discovered when analyzing the behaviors of commercial customers throughout their life cycles. This whitepaper examines those trends based on 1 million active business credit profiles between 2010 and 2016.

  • Webinar: Q1 2017 Quarterly Business Credit Review
    Video Uploaded Date: Jun 14, 2017

    Experian and Moody's Analytics experts present insights from the most recent Experian/Moody's Analytics Main Street Report for Q1 2017.

  • Webinar: Q4 2016 Quarterly Business Credit Review
    Webinar Published Date: Mar 14, 2017

    Experian and Moody's Analytics experts present insights from the most recent Experian/Moody's Analytics Main Street Report for Q4 2016.

  • Identity proofing insights and best practices
    Document Published Date: Feb 1, 2017

    It’s time to start thinking of yourself as an identity-proofing expert. You’ll be grateful when you are confidently authenticating individuals while delivering a great user experience.

    This paper provides our perspective on identity proofing and risk-based authentication — and more specifically — how those activities may be leveraged for remote access to information systems. Content provided is intended to highlight current industry conditions, risk-based authentication concepts and best practices, and lastly how our expertise with comprehensive identity proofing and risk-based authentication can help you mitigate risk while delivering a great user experience.

  • Q3 2016 Quarterly Business Credit Review Webinar
    Webinar Published Date: Dec 15, 2016

    Experian and Moody's Analytics experts present insights from the most recent Experian/Moody's Analytics Main Street Report for Q3 2016.

  • Experian/Moody's Analytics Q3 2016 Main Street Report
    Document Published Date: Nov 15, 2016

    Small-business credit declined slightly in the third quarter, led by the mining and transportation/utility industries. Businesses have access to plenty of credit, and utilization rates remain low. The low delinquency/bankruptcy environment combined with low utilization rates leads to an overall positive outlook over the next several quarters. However, this optimism could change rapidly if interest rates rise or slow economic growth persists. Agriculture and construction credit remain bright points in the small-business credit outlook. Despite some downside risks, the sectors remain stable and well-positioned for growth.

  • Reporting Data to Experian in 8 Easy Steps
    Video Uploaded Date: Oct 17, 2016

    Reward and protect your borrowers and businesses throughout their financial journey by revealing a more complete credit history through consistent data reporting. In this video we explain how to report data to Experian in a simple easy to follow 8-step process. Learn more about consumer data reporting at experian.com/datareporting and business data at experian.com/datareportingbusiness.

  • When businesses face a financial burden, they will prioritize which creditors are essential and which are not. In this webinar, we share research which will help you determine if there is a consistent overall prioritization by industry.

  • Experian Business Information Services did a data study of 2.5 million small business owner profiles and analyzed the data, comparing small business owners with average consumers. In this webinar Peter Bolin, Director of Consulting & Analytics for Experian shares the results of this research.

  • A better way to evaluate small business credit risk
    Document Published Date: Sep 29, 2016

    If a new company has not yet established a credit history, many lenders turn to the business owner’s personal credit to evaluate risk. But does personal credit alone paint an accurate picture of a new business’s risk? Is there a more optimal way to determine how creditworthy a young company may be?

    To find answers, Experian® randomly selected the credit files of 2.5 million U.S. small-business owners and compared them with the records of 1 million consumers. We then looked at the credit history of both groups, as well as key demographic data such as age, education and income. We also reviewed the number of open trades, delinquencies, bankruptcies and business survival rates. The results of this research are explained in this whitepaper.

  • The Face of Small Business Infographic
    Document Published Date: Sep 16, 2016

    Experian Business Information Services recently concluded a data study to compare the credit profiles of small business owners compared to average consumers. Our Infographic offers some of our key findings.

  • Quarterly Business Credit Review Q2 2016
    Video Uploaded Date: Sep 13, 2016

    Experian and economists from Moody's Analytics present a macro-economic review of small business credit health based on Q2 2016 data. Though this webinar you will gain insights on Brexit impact on U.S. small business, thriving construction trends, rising bankruptcy trends in West Virginia and the outlook for the coming quarter.

  • Experian/Moody's Analytics Q2 2016 Main Street Report
    Document Published Date: Aug 25, 2016

    The Experian/Moody’s Analytics Main Street Report brings deep insight into the overall financial well-being of the small-business landscape. Small-business credit conditions improved in the second quarter. With the exception of some specific segments, delinquency and bankruptcy rates declined. Sentiment among small businesses is positive, with 11 percent planning to increase employment and 26 percent considering additional capital investment. Despite some downside risks, the sectors remain stable and well-positioned for growth.

  • Last year, mobile made up a third of all U.S. commerce. And in banking, the mobile channel is quickly becoming the customer’s preferred channel. The mobile channel offers many opportunities for your business and your customers — and unfortunately for fraudsters too.

    Go beyond understanding fraud protection and the customer experience in your offline and online channels. Give your customers the freedom they need to do anything in any channel, without taking on more risk.

    Gain valuable insight and deeper understanding of the complex world of mobile fraud management, effective mobile fraud strategies in practice, and tips for evaluating your mobile fraud strategy.

  • Experian/Moody's Analytics Q1 2016 Main Street Report
    Document Published Date: Jul 1, 2016

    Experian®, the leading global information services company, and Moody’s Analytics have teamed up to develop the new Experian/Moody’s Analytics Main Street Report. Unlike previous quarterly analyses, the new report brings deeper insight into the overall financial well-being of the small-business landscape, as well as providing commentary around what certain trends mean for credit grantors and the small-business community as a whole. Key factors of the Main Street Report include a combination of business credit data (credit balances, delinquency rates, utilization rates, etc.) and macroeconomic information (employment rates, income, retail sales, investments, etc.).

  • Webinar: Q1 2016 Quarterly Business Credit Review
    Video Uploaded Date: Jun 30, 2016

    Experian and Moody's Analytics present insights from the most recent Experian/Moody's Analytics Main Street Report for Q1 2016.

  • Experian Business Information Services recently concluded a data study to explore how minority-owned small businesses are faring in today’s economy. The analysis highlights credit characteristics, industry preferences and demographic attributes of business owners.

    Key topics include:

    • Our methodology
    • Demographic concentrations
    • Most popular business types
    • Credit behaviors and trends
  • As a group, minority-owned businesses receive far fewer commercial loans and have significantly fewer trade accounts than the general small-business population. At the same time, minority-owned businesses have average business credit scores that should qualify them as viable prospective borrowers. This whitepaper highlights key findings from a recent analysis of minority-owned business data. They include a review of the study, the major insights revealed, and suggestions for how a change in common business practices can deliver “win-win” outcomes for minority businesses and the lenders that extend them credit.

  • In recent years, leasing has strongly returned as an option for consumers to choose when looking to get into a new vehicle and maintain an affordable monthly payment. Experian Automotive's latest infographic examines the lift in leasing, as well as key attributes in the auto finance market.

  • As part of our ongoing analytical series on small business, Experian just completed a data study focused on U.S. minority owned businesses. This Infographic offers a summary of our findings.

  • In this webinar Peter Bolin, Director of Consulting & Analytics for Experian shares the results of his research, revealing the statistical differences between small business owners in each of the major political parties. We explore the kinds of industries jobs are being created, also how small business owner credit scores compare as we gear up for the coming election season.

    Webinar topics:

    • Study methodology
    • Business & Consumer Scores – how they compare
    • Delinquency trends
    • Score trends
    • Key demographics and firmographics
    • Swing state comparisons
    • What it means for political campaigns
  • Webinar: Getting Better B2B Marketing Insights
    Webinar Published Date: Dec 9, 2015

    Companies are collecting more data than ever before on prospects and customers alike, but are having trouble making the most of that data. Information is often bad or incomplete, making it difficult to answer common questions like - How many customers do I actually have? Which ones should I upsell to? What channels should I be using for acquisition? What’s the real opportunity out there? Watch this on-demand webinar to learn best practices for driving the most value from your business marketing data, and gain insights to maximize results.

  • Prepping for Post-Holiday Credit Trends and Behaviors
    Document Published Date: Dec 3, 2015

    With consumers immersed in the holiday season, retailers enjoy the constant swiping of credit cards. As a lender, shopping means both opportunity and risk. Credit utilization peaks this time of year, but high balances result in consumers seeking greater card deals. To capitalize on this prime season to grow, and protect from attrition, leveraging specific models and/or tools can help identify when to lower APRs, sweeten rewards and increase credit limits for specific consumers. Check out our holiday infographic illustrating post-holiday trends and solutions.

  • Shaping the Future of Online Marketplace Lending
    Video Uploaded Date: Dec 3, 2015

    The evolving landscape of online marketplace lending and the future of the industry.

  • The State of Online Marketplace Lending
    Document Published Date: Dec 2, 2015

    In 2008, a short two years after the first online marketplace lenders opened for business, the Great Recession began to wreak havoc on worldwide financial markets. Small businesses struggled to survive, banks failed and access to capital was limited. More online lenders saw an opportunity and opend for business. These technology-driven newcomers hired an army of data scientists, coders and digital marketers. In the fall of 2015 the innovation, industry disruption and regulatory uncertainty that characterize this dynamic sector led Experian to produce a series of articles focusing on different aspects of online marketplace lending. This report contains those articles.

  • While most in the political arena believe Independents and Republicans share many of the same political views, small-business owners who identify as one of the two major political parties also share similarities outside of politics. Business owners who identify as Independents relate more closely to Republicans than to Democrats in a number of areas, including average personal income, education level and credit usage.

    The similarities between Independent and Republican small-business owners are a few of the key findings included in a recent Experian analysis examining the characteristics of small-business owners based on political affiliation. In this whitepaper, we go in depth on these findings.

  • Peter Renton, Founder of Lend Academy shares shares his perspectives on regulatory change, innovation and what's driving growth in small business lending via online marketplace lenders.

  • Kathryn Ebner, head of capital markets for Credibly shares her perspectives about online marketplace lending, innovation and where the industry is headed.

  • Sam Hodges, Co-Founder of Funding Circle shares his perspectives with Experian about the online marketplace lending industry, what makes Funding Circle unique, and what lays ahead for the industry.

  • Andrew Smith, Partner with Covington & Burling, LLC shares his perspectives with Experian about regulatory and legal issues facing online marketplace lenders.

  • In this webinar, Experian provided a 360-degree industry view of the fast-growing Online Marketplace Lending industry. Our experts help explain go-to-market strategies, self-regulation vs. government regulation and why this fintech-driven segment of financial services is attracting so much attention from investors, banks and the small businesses they lend to.

    Presenters:

    Gavin Harding, Sr. Consultant, Experian

    Tony Hadley, SVP Government and Regulatory Affairs, Experian

    Peter Renton, Founder, Lend Academy

  • Virtually unheard of just 10 years ago, Web-based companies that offer funding options beyond traditional bank loans have grown considerably. Small businesses — drawn by the easy application process and flexible repayment terms — have become increasingly comfortable working with online lenders, which offer rapid access to capital, a wide array of niche products and a low-friction customer experience. In this article we discuss emerging trends in online marketplace lending we can expect to see over the next several years. You can also find the article on our blog.

  • When it comes to matching small-business borrowers to the most appropriate lenders, a new breed of marketplace matchmaker or loan aggregator is finding success bringing the two parties together. Aggregators compare the needs and qualifications of borrowers with lenders in their network matching their target criteria. Think of it as speed dating for business financing. This article explores the various go-to-market strategies and tactics employed by loan aggregators. You can also find our blog post for more details here.

  • Reducing risk through blended credit profiles
    Document Published Date: Oct 20, 2015

    When attempting to determine a small business's credit risk, which is more useful, the company's credit history or its owner's? For decades, conventional wisdom has held that a business owner's personal credit history alone can be used to judge his or her company's creditworthiness. Many lenders have tended to see small businesses and small-business owners as one and the same, their funds so frequently commingled as to make the two entities virtually indistinguishable. However, this strategy is not always successful. A business owner with good personal credit still can have a failing company, and someone whose personal credit is messy still can own a successful business. Since a bad call can cost a creditor thousands, perhaps tens of thousands, of dollars, Experian® decided to test the conventional wisdom for itself.

  • As an industry, marketplace lending has enjoyed considerable success over the past five years. In some entrepreneurial circles, names such as Lending Club, Fundera, Creditera and Funding Circle are as well-known as Citibank, Bank of America and Wells Fargo. Many full-service banks see these newer online platforms as opportunities to increase their own efficiencies as well as a way to capture future long-term customers. In this article we explore how financial institutions are aligning with online marketplace lenders. This article is also published on our blog.

  • The evolution of commercial lending over the past seven years has certainly had its share of ups and downs. Remember the ominous days leading up to the financial crisis when it seemed like everything was teetering on collapse? During that uncertain time, commercial lenders took a lot of criticism from several directions. On top of those worries, a new channel emerged, online marketplace lending. In this article, Charles H. Green from Advice On Loan shares his perspectives about how financial institutions can play to their strength, and play to win with online marketplace lenders. You can also read this article on our blog.

  • Online lenders represent a valuable resource for small businesses in need of working capital. Also known as "alternative" lenders, they are particularly useful to new businesses lacking the long, detailed credit history that banks and traditional lenders usually require to underwrite a commercial loan. In this article we explore the various new data sources being used by online lenders to make lending decisions. You can also read this article on our blog.

  • What is Peer-to-Peer Lending?
    Video Uploaded Date: Sep 23, 2015
    In this Q&A, Gavin Harding from Experian's Global Consulting Practice offers his definition of what Peer-to-Peer lending is. This Q&A is part of a series of blog posts from Experian Business Information Services available at: Online Marketplace Lending Series
  • Since the financial crisis, lenders are less willing to take on credit risk, particularly of smaller business customers. However, as the CFO Magazine ebook entitled Gaining efficiencies and access: Finance and the credit lifecycle demonstrates, streamlining the credit-risk-management life cycle enables lenders to feel more confident extending credit to prospective small businesses, thus revitalizing our economy and business growth. In order to make wise decisions about credit extensions, senior finance executives need a blend of external and internal information to gain the best possible perspective on their risk: a forward-looking (rather than merely historical) perspective that takes potential upside opportunities into account (rather than focusing exclusively on possible downsides).
  • In this short Q&A video, Gavin Harding from Experian's Global Consulting Practice offers his perspectives on online marketplace lending, particularly what kinds of things small businesses are funding with loans acquired online. This Q&A is part of a series of blog posts from Experian Business Information Services available at: Online Marketplace Lending Series
  • In this Q&A with Gavin Harding from Experian's Global Consulting Practice, Gavin offers his perspectives on how online marketplace lenders are able to make such fast decisions on loan applications. This Q&A is part of a series of blog posts from Experian Business Information Services available at: Online Marketplace Lending Series
  • In this Q&A with Gavin Harding of Experian's Global Consulting Practice, he offers perspectives on why so many small businesses are tapping online marketplace lending for capital.
  • How do banks perceive online marketplace lending?
    Video Uploaded Date: Sep 21, 2015
    Gavin Harding of Experian's Global Consulting Practice offers his perspectives on online marketplace lenders and how they are perceived by financial institutions. This Q&A is part of a series of blog posts from Experian Business Information Services available at: Online Marketplace Lending Series
  • Online Marketplace Lending Q&A
    Video Uploaded Date: Sep 21, 2015
    Gavin Harding, a Sr. Business Consultant with Experian's Global Consulting Practice offers his perspectives on the burgeoning online marketplace lending sector. This Q&A is part of a series of blog posts from Experian Business Information Services available at: Online Marketplace Lending Series
  • Online marketplace lenders started to become increasingly more popular at the tail end of the Great Recession as many banks tightened lending criteria. Gavin Harding from Experian's Global Consulting Practice describes the sequence of events which led to rapid growth in this relatively young sector. This Q&A is part of a series of blog posts from Experian Business Information Services available at: Online Marketplace Lending Series
  • The Responsible Business Lending Coalition, a group of non-bank small-business lenders announced a self-regulatory program that is designed to bring greater clarity and consistency to its industry's pricing and consumer protections. In this paper we talk about self-regulation in the online marketplace lending sector and what the Small Business Borrower's Bill of Rights is all about. You can also read this article on our blog.

  • Just how alternative are today's online marketplace lenders?
    Document Published Date: Sep 14, 2015

    Online marketplace lenders, have caused quite a stir over the past couple of years by offering alternative financing products to serve consumers and businesses. But what's so radically different about what they do, other than using a Website rather than a drive-up branch to initiate a financial relationship? This article explores what sets online marketplace lenders from traditional financial institutions. You can also read this article on our blog.

  • Over the past two to three years, online marketplace lending (OML) — also called alternative lending — has made dramatic changes in the landscape of small business lending. In this paper, the first in a series of eight articles, Experian experts discuss this exploding fin-tech-driven market from several angles. You can also read our blog post - How online marketplace lenders are changing the rules of small-business finance.

  • Insurance Industry Update - Winter 2015
    Document Published Date: Jul 21, 2015

    In this update we provide an overview of Commercial Risk Database Plus along with data quality improvement statistics.

  • Insurance Industry Update - Spring 2015
    Document Published Date: Jul 21, 2015

    In this update we report on improvements in our data coverage and provide a progress report on alternate data sources.

  • Whitepaper: Data Study on U.S. Small Business Startups
    Document Published Date: Jul 15, 2015
    It's no secret that starting a new business is a risky proposition, but so is providing the funding start-ups need to open their doors, gain traction and begin to grow. In a study of business starts between 2010 and 2014 Experian reveals that not only are start-ups not as risky as conventional wisdom might suggest, but funding a new business early offers a careful lender unique benefits.
  • Infographic: Spotlight on Small Business Startups
    Infographics Uploaded Date: Jul 14, 2015

    Experian Business Information Services and our Decision Analytics team recently completed a data study on the formation of startups between 2010 and 2014. This Infographic summarizes some of the findings in the study.

  • Experian, Moody's Analytics and Dr. Wallace Walrod from the Orange County Business Council team up to review key findings from the latest Experian/Moody's Small Business Credit Index Q4 2014 report. In our Hot Topic we explore implications from the West Coast Port Slowdown.
  • STAR Financial Bank sought a more effective approach to understanding the risks and requirements within its loan portfolio. The challenge was finding the most comprehensive view of risk.
  • Turning the page from recovery to growth, small businesses continue to have access to a wider availability of credit, as credit conditions reached the highest level on record, improving for the third consecutive quarter. Outstanding credit balances grew by 2.2 percent from a year ago, while delinquency rates declined to a cyclical low of 8.5 percent, both of which contributed to the improvement in the index.

  • Experian, Moody's Analytics and special guest Brian Moran team up to review key findings from the latest Experian/Moody's Small Business Credit Index Q3 2014 report. Learn more about what the small business credit trends could mean for you and your business heading into the holiday shopping season.
  • Experian and Moody's Analytics team up to review key findings from the latest Experian/Moody's Small Business Credit Index Q1 2014 report. Learn more about what the small business credit trends could mean for you and your business.
  • We discuss the Small Business Credit Share consortium featuring two case studies.
  • Union Bank N.A., a full-service commercial bank, faced a challenge to achieve better control of its internal processes for the Business Banking portfolio
  • The Underbanked Consumer
    Webinar Published Date: Mar 26, 2013
    Is your organization serving the nearly 25 percent of the population that has little to no credit history? View this on-demand webinar and learn how targeting these under-served consumers can drive profitability. Hear from industry-leading experts regarding the testing of new data types and new analytics strategies as well as ways financial institutions are confidently and accurately assessing the credit worthiness of the almost 64 million consumers real people from diverse backgrounds who are considered un-scorable by standard credit models.
  • Redefine Your Credit Marketing Growth Strategies
    Video Uploaded Date: Jun 13, 2012

    Identify the Best Near-Prime Prospects

    Are you excluding significant revenue by missing out on profitable segments within the broader consumer spectrum? As lenders aggressively seek to grow their portfolios, inclusion of specific micro-segmentation tools and risk models make it possible to identify highly responsive, low-risk prospects.

    Watch the webinar now to hear analyses and the resulting strategy to target more effectively across a broader credit spectrum of consumers while mitigating risk. You will learn how to identify the most credit-worthy, near-prime prospects.

  • Understanding a consumer's past behavior s crucial to developing a strategy for the future.

    The value of trended data is that it allows you to get the full picture of your customers: both short-term changes — the past one, two and three months — and an extended view up to 24 months prior. How can trended data offer deeper behavioral transparency and aid in targeting, underwriting and retention decisions?

    View this on-demand Webinar and find out how trended data can be used to:

    • Differentiate among customers with the same risk profile
    • Identify actions other lenders have taken that impact your customers
    • Separate customer past behavior and payment stress, targeting better offers and services
    • Calculate revenue potential and your wallet share

    Learn how you can add depth to a credit report and give your customers credit for their history. Watch now.