Identity-related fraud exposure and losses continue to grow, and the underlying schemes have elevated in complexity. Because it’s more difficult to perpetrate “card present” fraud post chip-and-signature rollout here in the United States, bad guys are more motivated, and getting better at identity theft and synthetic identity attacks.

Fraud is constantly evolving. New technology and complex underground networks mean a rise in criminal sophistication. In response, fraud prevention has become complicated and damaging to the customer experience.

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This paper looks at the evolving expectations of borrowers — who demand personalized products and offerings — and ways to satisfy those expectations. We will introduce how a multidimensional view of the customer lets lenders segment more accurately, which can drive product and service design, improve data-driven decisioning, and tailor communications strategies. And we’ll walk through tips for designing and deploying an effective strategy using integrated decisioning.