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Making a great first impression...

According to a recent Experian Marketing Services study, informational or "thanks for joining" messages drive significantly higher open and transaction rates than promotional emails, as well as higher revenue per email....

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Using data to understand customer preferences...

In today's data driven world, decisioning strategies can no longer be one-dimensional and only risk-focused. By employing a multidimensional decisioning approach, companies can deliver the products and services customers need and want....

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Authentication through device intelligence...

With more than one-third of customers interacting with a single business in five or more channels and more than 85 percent of consumers using online or mobile to conduct business, omnichannel fraud prevention has become a necessity. Implementing a layered approach to authentication and integrating device intelligence into the...

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A centralized approach to data quality...

Data quality continues to be a challenge for many organizations....

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Bankcard utilization increases dramatically for lower ...

While the average bankcard utilization rate hovered around 20% during the last quarter of 2014, utilization rates can vary greatly when analyzed by VantageScore® credit...

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Gift cards continue to increase in popularity...

Gift cards are the most requested gift item and have been for the last eight years. Merchants love gift cards because they take up very little space and the recipient often ends up spending more than the value of the gift...

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Driving value through customer loyalty and advocacy...

A comprehensive customer-experience strategy can give companies the competitive edge needed in a market where price, products and service can no longer be considered effective differentiators. Capturing customer insight is critical to developing a sound customer experience strategy, yet research shows that while 85 percent of companies collect such...

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Opportunities through the rise in smart devices...

According to the latest research by Experian Marketing Services, nearly a third of all Americans use at least one type of smart or Internet-connected device* (wearable fitness tracker, smart watch, smart TV, smart home technology). While smart TVs have generated the most consumer interest, at least 14 percent of...

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Bankcard growth trend continues...

According to a recent Experian credit-trend analysis, bankcard originations for all of 2014 totaled $318.7 billion, a 20 percent increase over 2013 originations of $266.5 billion. The growth trend demonstrates the importance of staying abreast of the latest credit trends in order to adjust lending strategies and capitalize on...

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