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More consumers are doing nothing after a data breach...

The experience of being a victim of data breaches has created a shift in consumer behavior and attitude over the past year. A recent Ponemon Institute study found that more than one-third of consumers ignored data breach notification letters, taking no action to protect themselves against fraud. To combat...

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Balancing customer acquisitions and fraud prevention...

While marketers typically spend vast amounts of money to increase customer acquisitions, fraud prevention can undercut those efforts. According to a recent 41st Parameter® study, average card-not-present declines represent 15 percent of all transactions; however, one to three percent of those declined transactions turn out to be false positives,...

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Many unscoreables are actually considered prime or nea...

According to research from VantageScore® LLC, 30 to 35 million people are not scored by the most popular credit-scoring models. When measured by more modern scoring methodologies — methods that leverage the data that exists in a person’s credit file better — as many as 10 million of these...

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The results are in: Peak week email volume and revenue...

This season’s peak week, the Wednesday before Thanksgiving through the Tuesday after Cyber Monday, had an 18 percent increase in email volume, an 11 percent rise in transactions and a 7 percent increase in email revenue in comparison to peak week 2013. Cyber Monday provided 27 percent of total...

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Surviving the season of giving without drowning in deb...

According to a new survey from Experian Consumer Services, consumers are anticipating spending more on gifts this holiday season than they did in 2013....

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Minnesota dominates top 10 list...

Experian's most recent State of Credit report analyzed the average credit scores for more than 100 metropolitan statistical areas (MSAs)....

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A mobile-centric approach to acquisitions...

The ubiquity of mobile devices provides financial services marketers with an effective way to distribute targeted, customized messages that appeal to a single shopper — a marketing segment of o...

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Balance transfers: a profitable opportunity...

Card-to-card balance transfers represent a substantial profit opportunity for...

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The diversity of technology complicates customer authe...

According to a recent 41st Parameter® study, 85 percent of consumers use online or mobile channels to conduct...

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