Credit & Risk

The MOBILE Act authorizes a standard for banks to scan and retain information from driver’s licenses and id cards as part of online onboarding process.

An Experian study revealed 86% of millennials believe that buying a house is a good financial investment - they just don't have the credit scores they need.

Even with the Fed’s gradual 2018 rate hikes, consumers are shopping. Usage of credit cards is on the rise in 2018 and only expected to grow.

While the marketplace struggles to manage the impact of fraud prevention, CIP routinely disrupts more than 10 percent of new customer acquisitions.

Digital credit offers and regulations. There’s no question today’s consumers have high expectations. As financial services companies wrestle with the laws and consumer demands, here are a few points to consider:

Financial services lenders and businesses are increasingly seeking to leverage enhanced digital marketing channels, but how does regulatory play into the mix?

Market trends and insight from Q1 2018. The economy remains steady as we transition from 2017. Keep an eye on inflation and interest rates.

CFSI’s Thea Garon talks about a free, open-source tool from the organization to help financial institutions drive consumer financial health.

According to our State of Alternative Credit Data research, more lenders are using alternative credit data to determine if a consumer is a good or bad risk

The first full day of Vision 2018 featured in-depth talks on alternative credit data, enhanced credit marketing, faster decisioning, fraud and identity protections and the latest in tech innovation.

A thoughtful segmentation analysis contains two phases: generation of potential segments, and the evaluation of those segments.

In a new study, Clarity analyzed the trends and financial behavior of subprime loan users. Discover the latest insights and shifts.

Trended attributes and consumer lending Digging deeper into consumer credit data can help provide new insights into trending behavior, providing more than just point-in-time credit evaluation. The information derived through trended attributes can help you understand your customers’: Payment rates and account migration behavior. Slope of balance changes. Delinquency patterns over time. Today’s consumer lending environment is more dynamic and competitive than ever. Trended attributes can give additional lift in your segmentation strategies and custom models and provides a high-definition lens that opens a world of opportunity. Learn more

Federal agencies are most directly impacted by new NIST standards but is a shift in identity proofing for consumers, businesses and public sector agencies.

Experian introduces new trended attributes to help lenders better serve consumers across the credit life cycle