Data & Analytics
Discover how cashflow data empowers lenders to gain behavioral insights into consumers, expand market reach and make more precise decisions.
Financial institutions can unlock value through analytics to gain insights that drive smarter decisions and better business results.
A unified data strategy can help unlock the full potential of an organization’s ability to turn raw data into actionable insights.
Experian and Plaid are teaming up to power smarter, faster, and more inclusive lending — fueled by real-time cashflow insights.
For financial institutions to achieve success, they need to develop high-performing models with easy access to top-tier data sources. It’s also important to focus on data governance, compliance, and risk management throughout the lending lifecycle. Industry leaders implement advanced analytics and AI solutions to improve their lending decisions, and they also incorporate integrated, efficient feature engineering into their business operations. What’s feature engineering? Feature engineering helps organizations turn raw data into comprehensive model development, following this process: Data collection Data cleaning and transformation Feature engineering Model training and evaluation Decision-making Effectively transforming data into valuable insights depends heavily on creating new custom features to enhance model performance, as well as the quality of the data being used. When data is fragmented or managed poorly, it can lead to increased operational costs, missed revenue opportunities, and compliance risks. Our feature engineering solution: Experian Feature Builder Financial institutions require optimized workflows that can accelerate development while supporting governance and ensuring transparency. Experian’s feature engineering tool, Experian Feature Builder, streamlines custom feature development and deployment across the modeling lifecycle. Providing access to 20+ years of proprietary data, Experian Feature Builder enables organizations to: Break data silos by creating unified access across multiple data types Ensure trust and compliance by embedding audit and lineage tracking at each stage Enable strategic agility with faster and more consistent feature experimentation, testing, and deployment Download our latest e-book to find out more about how Experian’s Feature Builder provides centralized feature development to accelerate time-to-market, enhance compliance, and minimize risk. Download the e-book
By integrating feature engineering, organizations can convert raw data into more accurate features and build higher-performing models.
Discover how data analytics in utilities helps energy providers navigate regulatory, economic, and operational challenges. Learn how utility analytics and advanced analytics solutions from Experian can optimize operations and enhance customer engagement.
Our new report provides a snapshot of the current credit card landscape and strategy considerations to inform your business decisions.
Consumers' financial behaviors are constantly changing. Event triggers enable lenders to quickly respond before their portfolio takes a hit.
How can lenders ensure they’re making the most accurate and fair lending decisions? The answer lies in consistent model validations.
Prescreen targeting solutions have evolved significantly, offering a competitive edge through more precise and impactful outreach strategies.
Reject inferencing techniques unlock a more comprehensive view of your applicant pool for more informed underwriting decisions.
Voter registration lists are the backbone of our democratic process. However, maintaining accurate and up-to-date lists is a challenge that election agencies constantly face. With several regulations related to voting and election integrity that have been enacted or proposed in the last two years, maintaining a quality voter list is more important now than ever before. Election officials now have a powerful tool at their disposal: commercially available data to enhance voter list maintenance and boost voter confidence. The importance of maintaining voter lists Audit teams within election agencies are tasked with ensuring election integrity through voter list maintenance. These teams need reliable tools to: Verify and correct voter registration data Identify and update contact information Provide a cost-effective method for record updates Reduce election costs for taxpayers Success stories in voter list management Case study: West Virginia Secretary of State The West Virginia Secretary of State (WVSOS) uses Experian’s TrueTrace™ solution to enhance voter roll maintenance. Traditionally a skip-tracing solution for debt collectors, TrueTrace leverages unique data sources to ensure voters receive correct information, reducing wasted resources and improving election efficiency. WVSOS was challenged with enhancing their existing processes to a more robust 50-state comparison for cross-state movers. After WVSOS’s first data pull using TrueTrace, nearly 16,000 individuals were identified with a potential new "best" address that were also not flagged by other data comparison programs used by the state. The results? Of the almost 16,000 mailings sent, about 25% returned were undeliverable, confirming those individuals had moved. Access the full case study to discover best practices for maintaining voter rolls and conducting cost-effective elections. Webinar: El Paso County Clerk & Recorder's Office The El Paso County Clerk & Recorder’s Office was looking to bring transparency, efficiency, and increased voter confidence to the elections in El Paso County, Texas. To achieve this, they required verified enriched data for registered voters. By partnering with Experian, voter data was enriched using our TrueTrace solution. This partnership has enabled the Office to verify and append the most up-to-date voter address, leading to significant improvements in list maintenance. To date, the El Paso County Clerk & Recorder’s Office has seen a reduction of more than $39,860 in undeliverable ballot costs. Their ROI to date is a positive $4,537 back to the citizens of El Paso County. Listen to our on-demand webinar to hear more about this collaboration. Visit us online to learn more about our public sector solutions. Learn more
Check out August's report for a deep dive into the latest market trends, including those around originations and the new housing market.
To authenticate identities and combat fraud within the Gen Z population, financial organizations need to implement comprehensive strategies.