Tag: analytics

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Deployment Made Easy — solving new fraud problems by A...

Part 3 in our series on Insights from the Vision 2016 fraud and identity track Our Vision 2016 fraud track session titled “Deployment Made Easy...

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Men vs. Women: Who Wins the Credit Game?...

It’s the “Battle of the Sexes” credit edition. Who sports higher scores, less debt and more on-time payments? According to Experian’s latest analysis, women...

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Credit card debt reaches highest level since 2009...

Experian data shows consumers are more confident managing their credit since the recession. The Q3 2015 Experian Market Intelligence Brief was released today featuring data...

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Rules vs. Risk...

The overarching ‘business driver’ in adopting a risk-based authentication strategy, particularly one that is founded in analytics and proven scores, is the predictive ‘lift’ associated with using scoring in place of a more binary rule set. While basic identity element verification checks, such as name, address, Social Security number, date-of-birth,...

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The inclusion of renters’ payment history leads to bet...

By: Staci Baker For the one-third of the U.S. population that rents, in the past, rental payment history has not been included in determining a credit score. With the acquisition of RentBureau by Experian, renters’ credit can now be affected by on-time payments or account delinquency, the same as an...

Read More The inclusion of renters’ payment history leads to better property management
Calculating the expected business benefits of improved...

To calculate the expected business benefits of making an improvement to your decisioning strategies, you must first identify and prioritize the key metrics you are trying to positively impact.  For example, if one of your key business objectives is improved enterprise risk management, then some of the key metrics...

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Why risk-based authentication…and what is it, for that...

The term “risk-based authentication” means many things to many institutions.  Some use the term to review to their processes; others, to their various service providers.  I’d like to establish the working definition of risk-based authentication for this discussion calling it:  “Holistic assessment of a consumer and transaction with the...

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What keeps you up at night?...

— by Heather Grover I’m often asked in various industry forums to give talks about, or opinions on, the latest fraud trends and fraud best practices. Let’s face it –  fraudsters are students of their craft and continue to study the latest defenses and adapt to controls that may...

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Beyond the score: What lenders use in decisioning bey...

By: Tracy Bremmer It’s not really all about the credit score. Now don’t get me wrong, a credit score is a very important tool used in credit decision making; however there’s so much more that lenders use to say “accept” or “decline.” Many lenders segment their customer/prospect base prior...

Read More Beyond the score: What lenders use in decisioning beyond the score