Banks and Credit Unions

112 Banks and Credit Unions assets found.

  • Moving beyond risk to a member-centric strategy
    Document Published Date: Oct 16, 2018

    This paper will look at the evolving expectations of credit union borrowers — who demand personalized products and offerings — and ways to satisfy those expectations. We will introduce how a multidimensional view of the member lets credit unions 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.

  • Identity management is a win-win
    Document Published Date: Oct 12, 2018

    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.

  • This on-demand webinar will help you tackle some of the lingering uncertainties around the FinCEN Final Rule.

  • Three ways to remove an Experian credit freeze
    Document Published Date: Mar 7, 2018

    Do you have a customer who is applying for a credit or loan requiring access credit history, but has a security freeze on their Experian credit file? Here are three ways to help members with a frozen Experian report quickly and efficiently allow access.

  • Collections Optimization
    Document Published Date: Dec 8, 2017

    This paper focuses on how collection activites can be carried out on individual customers, and how these actions can be chosen to optimize overall performance in the collections environment.

  • Marketing Optimization
    Document Published Date: Dec 8, 2017

    Marketing departments are increasingly using analytics to predict and understand customer behavior, needs and preferences. But with the increase in marketing channels and number of different offers, it's more and more challenging for marketers to pick the best actiion for each customer.

    This White Paper explores a more effective way of selecting the best customer actions to achieve desired results.

  • Optimizing real-time marketing
    Document Published Date: Dec 8, 2017

    Optimization enhances in-bound marketing systems, processes, analytics and data you have in place today so you can fine-tune your customer contact activities to achieve maximum return on investment.

  • How to modernize fraud prevention in five steps
    Document Published Date: Nov 21, 2017

    Fraudsters are determined and relentless. With constantly evolving schemes and alternative methods, fraud prevention has become more difficult than ever. Factor in economic conditions, regulatory requirements and resource limitations and you might feel like it’s impossible to keep pace. So, how can you stay a step ahead?

    These five strategies can help you outmaneuver fraudsters— decreasing risk while ensuring the positive experience your customers deserve.

  • You asked… We answered.

    We’re answering you’re your questions around synthetic identity fraud. During the QA session of our Synthetic identity fraud: Fake customers presenting real risk webinar, we had a number of questions we simply couldn’t answer within the allotted time.

    Our Experian experts, as well as those from Aite, provide responses that we want to share with you now.

    We’re committed to helping you mitigate fraud risk. Get your answers now.

  • Shining a Light on Synthetic Identity Fraud
    Document Published Date: Nov 20, 2017

    Keir Breitenfeld, Senior Business Consultant, recently sat down with host, Cameron D’Ambrosi on the State of Identity Podcast to discuss the emergence of synthetic identity fraud, its true financial impact and how organizations can begin to fight back.

  • The impact of Synthetic ID fraud on your organization
    Infographics Uploaded Date: Nov 16, 2017

    It’s not easy to gauge exactly how much is being lost to synthetic ID fraud industry-wide. View our Infographic to see the impact of Synthetic ID.

  • Credit Marketing Best Practices Checklist
    Document Published Date: Nov 8, 2017

    Improve your credit marketing strategy with our checklist of best practices.

  • Getting in front of the shift to omnichannel collections
    Document Published Date: Nov 1, 2017

    Collections should be viewed as an omnichannel opportunity that can result in better recovery rates and a real opportunity to improve long-term customer loyalty. Read our White Paper to learn more.

  • Synthetic identities: getting real with customers
    Document Published Date: Oct 26, 2017

    Synthetic identity fraud involves a criminal combining real and fake information to create a new identity, which is subsequently used to open fraudulent accounts and make fraudulent purchases. Download this White Paper to learn more about this growing problem and steps to find and prevent synthetic identity fraud.

  • Card-not-present fraud is estimated to reach $19.3 billion by 2022. Online payment fraud will grow 13.7% from 2017-2022, according to Juniper Research.

    Still think fraud prevention is too expensive? Juniper doesn't.

    Read their new whitepaper, Online Paymen Fraud, for their analysis of the fraud prevention market.

    Dive deeper into their data points and see why Experian was identified as the top play in the fraud detection and prevention space in this complimentary whitepaper. In it, you will access important insights and strategies to help you select a fraud management vendor.

    Download the report today to learn more!

  • The risk of synthetic identity fraud is growing at an alarming rate. Associated losses with this this type of fraud are estimated to be in the billions, and increasing exponentially. But it can be stopped — we'll to tell you how.

    Experian and guest presenter from Aite Research, dive into how businesses and customers are being affected, look at how a synthetic identities are created and best practices to mitigate the risk.

    Watch the webinar on demand, here. Download the slides, click below.

    Experian is committed to helping you mitigate synthetic identity fraud. Learn more about our capabilities here.
  • Maximize your direct mail credit marketing campaigns
    Document Published Date: Sep 20, 2017

    Direct mail continues to be one the most effective and credible marketing tools when it comes to customer acquisition and loan growth. In fact, recent data suggests that direct mails response rates are on the rise. Download our latest eBook today to learn more about direct-mail trends, consumer attitudes, and how to use data and insights to tailor your upcoming direct-mail campaigns.

  • When you report consumer information to the credit bureaus, accuracy matters. That’s why the Consumer Data Industry Association (CDIA) created the Metro 2® data format for consumer credit information. To help data furnishers meet the requirements of the Metro 2 format, we developed DataArc 360™.

    This solution combines our innovative data management platform, Experian Pandora, with our trusted expertise in credit reporting. With DataArc 360™, you get our most powerful data discovery, transformation, and monitoring capabilities together with more than 115 pre-configured Metro 2® rules built in. This means that you can assess data files for a range of metrics and gain instant visibility into the quality of your consumer data files, enabling you to resolve errors before they become disputes.

    Read more about how we can help you comply with financial regulations.

  • Cabot Credit Management data governance case study
    Document Published Date: Aug 23, 2017

    From data governance to migration to regulatory compliance, financial services organizations have a lot of priorities to juggle. Cabot Credit Management is a market leader in credit management services and looked to a data governance tool to help implement their data governance strategies and meet business objectives.

    Read about how Experian Pandora successfully integrated into Cabot's critical business elements and helped them monitor and continuously improve their data in real time.

  • The State of Student Loan Debt in 2017
    Infographics Uploaded Date: Aug 23, 2017

    U.S. student loan debt now accounts for $1.4 trillion. Our latest Experian analysis dives deeper into this ever-growing burden, cutting the data into generational, state and consumer-level views. Download our infographic for the freshest numbers on student loan debt, based on 2017 stats.

  • Financial services firms have vast quantities of data, much of which is used during the course of their day-to-day operations. However, many fail to fully exploit that data, due to a combination of inadequate systems and siloed teams. Not only that, concerns over the quality of that data result in process duplication as teams feel the need to redo reports they have received.

    Take a look at how Schroders Bank used Experian Pandora, a data management solution to identify data issues and assure the quality of their investment data.

  • Protecting the Customer Experience
    Document Published Date: Jul 14, 2017

    Fraud continues to grow and evolve, affecting consumers, businesses and agencies alike. As technologies evolve and information security tightens, the savvy nature of fraudsters becomes more sophisticated. Fraudsters are continually striving to be one step ahead of the next fraud-prevention strategy. As consumers move from face-to-face interaction to online and mobile transactions, there is a pressing need for more elaborate and accurate fraud prevention.

  • The three pillars of identity relationship management
    Document Published Date: Jul 13, 2017

    Identity relationship management is the next generation of identity management. Identity relationship
    management isn’t just knowing who a person is (or is not) or may (or may not) be at a particular point in time.
    Rather, it links people, places and things and enables a dynamic, context-based strategy that organizations
    can apply confidently throughout the User or Customer Life Cycle.

  • In the financial services universe, there is no shortage of players battling for consumer attention and share of wallet. Download our latest infographics to review our latest findings, revealing insights and stats on credit union members, as well as how credit unions are faring on various loan products in comparison to banks and online lenders.

    This is the State of Credit Unions in 2017, exclusively presented by Experian.

    Download Infographic!

  • Financial institutions strive to simultaneously combine the essential resources, such as data, analytics, and software along with industry best practices, to meet their customers’ needs. They want to find ways to appeal to the ever-increasing expectations of their clients. And with pressure from regulators, they need the ability to build compliance into processes, data collections, and analytics. In short, businesses need smarter solutions that combine the elements not always readily available, or easily implemented through in-house solutions.

    Prescriptive Solutions take predictive analytics a step further by bringing data and analytics together with software and expert guidance to create a flexible solution that is optimized to address specific needs or use cases.

  • Every contact with a customer is an opportunity to strengthen the relationship. Even when it comes to debt collection. Sometimes customers forget to make a payment, or fall on hard times and struggle to make multiple payments. Knowing the difference matters and it should inform your actions.

    Make confident decisions in a complex world. To learn more, click here.

  • The Very Real Consequences of Synthetic Identities
    Document Published Date: Apr 26, 2017

    First-party fraud is resurging. This is why we recently partnered with CEB TowerGroup to create a co-branded insight brief, entitled The Very Real Consequences of Synthetic Identities, to provide you an overview of synthetic fraud and some strategies that can help prevent this fraud. Some key points from the brief include:

    • Defining synthetic identity
    • Methods by which criminals hide among us
    • Combatting SID
    • Checklist for a progressive approach for the discovery and resolution of the SID epidemic

  • Election season will soon be over, and for the first time in eight years we will have a new administration in the White House. So what’s in store for the financial services space? Hear from experts in Washington on what you can expect from regulators over the next year.

    Experian’s Government Affairs team will take a deep dive into the dynamic regulatory environment for consumer credit, touching on topics like:

    • Developments in the CFPB’s Arbitration, Payday and Collection rules
    • What types of regulatory reform the new Congress and Administration could consider
    • The regulatory horizon for the emerging Online Marketplace Lending segment
  • Stay relevant. That is the challenge for credit unions today. With the regulatory and competitive landscape ever-evolving, the demand of members for an immediate response, and lean resources to somehow do it all, credit unions need smart solutions and proven strategies to drive growth.
    In this 60-minute webinar, you will gain key insights from credit union experts on:

    • Strategies and solutions to win the loan game with faster decisioning and underwriting capabilities
    • How leveraging an auto-decisioning platform can ultimately lead to cross-sell opportunities and the better use of your staff’s time
    • Real-life success stories from other credit unions surrounding loan growth best practices
  • Webinar: 5 Steps to Boost Your Accuracy in Data Reporting
    Webinar Published Date: Apr 7, 2017

    Data furnishers are facing ever-increasing regulations when it comes to reporting consumer credit histories to the credit bureaus. In fact, according to a recent Experian Data Quality study, 90% of financial institutions believe increasing regulation has driven their need for better data analytics and management.

    In our webinar, Experian experts will outline 5 steps you can take to boost your accuracy in data reporting.

    In this one-hour session, we will discuss:

    • Reporting challenges that data furnishers are facing today
    • Tips for streamlining your data reporting processes
    • An introduction to the Metro 2® reporting standard
    • A sneak peek of DataArc 360™ in action

  • In this 60-minute webinar, learn more about the personal loan landscape and discover tools to develop an effective personal loan strategy that can fuel growth in any environment.

    • Understand the latest in personal loan trends and how the emergence of financial technology companies has fueled double-digit annual growth.
    • Learn the three pillars of personal loan marketing. We’ll reveal why you need to think beyond response rate and consider risk and retention from the start.
    • Discover the analytics methodology behind Experian’s Credit3D, which can help influence and inform your personal loan marketing and management strategies.
  • Database Marketing for Consumer Data
    Video Uploaded Date: Feb 16, 2017

    Your prospect database is one marketing tool—but it could be so much more. Experian’s Prospect Navigator gives you direct access to accurate real-time data and the analytics tools you need to better manage your credit-based marketing campaigns. Even more, Prospect Navigator helps you create highly segmented campaign strategies to identify the right customers, lowering your acquisition costs and improving ROI.

  • Compliance as a Differentiator
    Document Published Date: Jan 18, 2017

    The number of regulations imposed on financial institutions has grown significantly over the past five years, and the level of complexity behind each regulation is high, requiring in-depth knowledge to implement and comply. Lenders have to understand the full complexity of both national and international regulations, so they can find the unique balance to meet compliance obligations while identifying profitable business opportunities.

  • One year later: Do you know where criminals are concentrating their attention, and how to protect yourself against emerging fraud trends since the rollout of the EMV chip? We have the details on these new vulnerabilities to help you stay at the top of your game.

    In our latest white paper, you will learn where criminals are actively probing the credit card industry for new vulnerabilities; how e-commerce fraud and address manipulation fraud are being impacted the most, and discover how to protect yourself from these fraud schemes.

  • Business case for fraud prevention compliance requirements
    Document Published Date: Nov 21, 2016

    Justifying financial investment for compliance and fraud prevention technology is challenging. In addition to understanding the numerous and complex compliance agendas, one also must equate the value of business enablement to the bottom line. Businesses are seeking cost-effective, flexible tools that will allow them to meet current and future guidelines, manage risk and ultimately authenticate as many good customers as possible — all while segmenting out only the real fraudsters and noncompliant identities.

    Understanding the benefits of such a robust program that supports both risk mitigation and the customer experience is essential to building the business case for fraud prevention.

  • The Making of an Experian Credit Report
    Video Uploaded Date: Oct 21, 2016

    Ever wonder how a consumer transaction makes its way onto an actual credit report? This short video provides insights into how data is passed from the furnisher to Experian. Learn about the multiple data accuracy checkpoints, speed of transmission and flow of information.

  • What key regulations have shaped the financial services industry over the past 8 years? From mortgage reform to combating fraud to model risk governance – regulators have certainly had a strong hand in evolving the financial services industry over the past eight years. This paper outlines some of the key initiatives drafted and executed during the Obama administration. It additionally sheds light on what could be on the horizon in 2017 and beyond.

  • Telephone Consumer Protection Act Q&A
    Document Published Date: Sep 30, 2016

    Telephone Consumer Protection Act (TCPA) litigation continues to be a risk for companies that communicate with consumers. In this Q&A, Expert Michael Goodman will help you understand the latest happenings with the TCPA so you can minimize your exposure.

  • Video: TCPA Solutions to Help You Mitigate Risk
    Video Uploaded Date: Sep 14, 2016

    We’ve all read the TCPA headlines and stories about fines and litigation. The Telephone Consumer Protection Act can feel overwhelming if you’re a business. Watch this video to learn how you can ease the risks of TCPA violations with two Experian solutions: Phone Number ID and Contact Monitor.

  • Military Lending Act FAQs
    Document Published Date: Sep 6, 2016

    The Military Lending Act provides service members and their dependents with specific protections for their "consumer credit" transactions. Read our latest FAQ for answers to your top MLA questions and compliance solutions for lenders.

  • Last year, mobile made up a third of all U.S. commerce. And in banking, the mobile channel is quickly becoming the customer’s preferred channel. The mobile channel offers many opportunities for your business and your customers — and unfortunately for fraudsters too.

    Go beyond understanding fraud protection and the customer experience in your offline and online channels. Give your customers the freedom they need to do anything in any channel, without taking on more risk.

    Gain valuable insight and deeper understanding of the complex world of mobile fraud management, effective mobile fraud strategies in practice, and tips for evaluating your mobile fraud strategy.

  • Data Reporting FAQs
    Document Published Date: Aug 19, 2016

    Data furnishers are facing ever-increasing regulations when it comes to reporting consumer credit histories to the credit bureaus. Read our latest FAQ for answers to your top data reporting questions.

  • Data Reporting Best Practices Checklist
    Document Published Date: Aug 12, 2016

    90 percent of financial institutions believe increasing regulation has driven their need for better data analytics and management.
    Access our checklist of best practices provided by our panel of experts. This cheat sheet will help you assess and develop your own data cleansing and reporting plans to enhance your business’ data reporting strategy.

  • Home equity lines of credit (HELOCs) continue to be a popular lending product. While much emphasis is placed on origination, it is critical for banks and credit unions to additionally manage this product throughout the consumer lifecycle. Access this one-page checklist to discover six best practices for lenders to consider as they manage and optimize their HELOC portfolios.

  • While the mortgage meltdown tied to the Great Recession has passed, the peak of loans originating during that downturn continues to be monitored and assessed. Home equity lending was especially popular during the housing boom, and as the end-of-draw period trails, there is a great interest in consumer behaviors and repayment tied to these loans. This Experian analysis explores the spike in end of draw, as well as trends attached to originations and delinquencies.

  • The Summer Auto-Loan Pursuit-a-palooza
    Document Published Date: Jun 13, 2016

    Learn new strategies and modern techniques to maximize auto loan growth. The busy auto sales season offers a prime opportunity for credit unions to grow auto share. Read the latest CU Insights article and hear from leading expert Scott Butterfield.

  • Reject inference: iterative reclassification
    Document Published Date: May 13, 2016

    Reject inference is the practice of using information to make a probabilistic guess as to the outcome of an application that was declined by a lender. In this paper, we walk through three approaches to iterative reclassification and provide an assessment of their efficacy based on classification accuracy.

  • Credit Score Migration Study
    Document Published Date: Mar 29, 2016

    A VantageScore study analyzes consumer score migration. A key question for lenders using credit scores is: How will future events impact a consumer's credit score? This study analyzes consumer credit score migration over time, and how lenders can take these migrations into consideration in order to optimize their decisioning.

  • Business Case for Fraud Prevention Compliance Requirements
    Document Published Date: Mar 22, 2016

    Justifying financial investment for compliance and fraud prevention technology is challenging. Understanding the benefits of such a robust program that supports both risk mitigation and the customer experience is essential to building the business case for fraud prevention.

  • Formula for data quality success
    Document Published Date: Mar 15, 2016

    Data quality is critical to a company's success with consumers, regulators and financial advocacy groups. Ensuring the credibility of reported data ensures compliance and increases competitive advantage.

  • Should I report credit data?
    Document Published Date: Mar 1, 2016

    Reporting credit data is not mandated today, so why should lenders do it? Every business is different, but you can ask yourself a few questions to help you determine if you're ready, and if you should, report credit data to the bureaus.

  • Expanding the Marketable Universe
    Document Published Date: Mar 1, 2016

    Many credit marketing leaders are actively evaluating and finding viable consumer populations within the near-prime consumer population today.

    Download our latest white paper, Expanding the Marketable Universe, filled with valuable data and analysis that will help you identify strategies for acquiring new accounts in lower-scoring segments.

  • Webinar: Getting Better B2B Marketing Insights
    Webinar Published Date: Dec 9, 2015

    Companies are collecting more data than ever before on prospects and customers alike, but are having trouble making the most of that data. Information is often bad or incomplete, making it difficult to answer common questions like - How many customers do I actually have? Which ones should I upsell to? What channels should I be using for acquisition? What’s the real opportunity out there? Watch this on-demand webinar to learn best practices for driving the most value from your business marketing data, and gain insights to maximize results.

  • Prepping for Post-Holiday Credit Trends and Behaviors
    Document Published Date: Dec 3, 2015

    With consumers immersed in the holiday season, retailers enjoy the constant swiping of credit cards. As a lender, shopping means both opportunity and risk. Credit utilization peaks this time of year, but high balances result in consumers seeking greater card deals. To capitalize on this prime season to grow, and protect from attrition, leveraging specific models and/or tools can help identify when to lower APRs, sweeten rewards and increase credit limits for specific consumers. Check out our holiday infographic illustrating post-holiday trends and solutions.

  • How Are You Achieving Data Accuracy?
    Document Published Date: Nov 30, 2015

    Are you prepared to address pressures from cosnumers and regulatory agencies? Have you prepared for the future examinations from the Consumer Financial Protection Bureau (CFPB)? Do you perform ongoing data audits? Download the full Data Accuracy Checklist.

  • Growing Thin-File Millennials
    Video Uploaded Date: Nov 25, 2015

    Many Millennials have been slow to adopt credit, but are beginning to hit those milestone moments requiring them to seek particular financial services products. A "thin file" doesn't necessarily mean a "bad file," so how can lenders grow a thin-file candidate and assess credit worthiness as these individuals seek first loans and bank cards?

  • Targeting Credit-Ready Millennials
    Video Uploaded Date: Nov 25, 2015

    With an estimated 80 million millennials now in the U.S., it would be easy assign mass stereotypes to this group. But the truth is Millennials are at all different life stages, and some are hitting milestone moments making them credit-ready individuals to target.

  • Experian research shows Millennials currently hold only 5% of their accounts with credit unions. Why? This paper explores Millennial trends in the financial services space, and advises how credit unions can adapt to serve this coming-of-age market,

  • Video: Battling for Balances: Experian Insights
    Video Uploaded Date: Nov 12, 2015

    As the playing field is stabilizing for the credit card industry, lenders are in a position now more than ever to grow their profits. Consumers are motivated to manage their cash flows, and improve their credit health; and they are transferring card balances, seeking the best rates. Watch this video and learn how to attract the right audience, segment the surfers and deleveragers, and build customer loyalty.

  • In this paper, we'll discuss who millennials are and dive deep into their most profitable segments. We will assess the drivers that affect their decision making and identify where millennials are in their financial journey. Lastly, we will provide best practices and look at innovative strategies banks have employed to reach this growing population.

  • Unfortunately, for students and parents, the excitement of entering college can turn quickly into fear and confusion as they learn to navigate all of the financial components that come along with the burden of a student loan and debt. Those that cannot get proper support often are left to deal with the impacts of late payments or defaulted loans. This paper features student loan debt trends, and outlines the need for increased consumer credit education.
  • Watch the recorded version of our Q2 recap of the Experian-Oliver Wyman Market Intelligence Report, including a key focus on the current U.S. real estate market.

  • Loss Forecasting: Investor Perspective (video)
    Video Uploaded Date: Aug 18, 2015
    Capital-adequacy positions are becoming crucial in analyst recommendations. Can you afford to have the investment community view your stock unfavorably? Banks rely heavily on the stock market for capital to grow their business. Under-capitalization can significantly impact how investors and fund managers view a bank¿s stock, which can result in limited access to market-based capital and hinder growth. Recent news about increasing Tier 1 capital requirements for the largest banks has piqued the interest of the investment community. Empower your organization, increase investor trust and confidently submit capital plans to the regulators with an advanced approach to loss forecasting.
  • Loss Forecasting: Evolution of the Regulation (video)
    Video Uploaded Date: Aug 18, 2015
    Meeting regulatory requirements can feel like a moving target. Evolving and demanding regulatory requirements for stress testing continue to be a challenge Meeting complex regulatory requirements is proving to be an ongoing challenge. Banks are struggling to understand what regulators are looking for in the required annual stress tests, and the regulation continues to evolve¿from new submission dates to redefined capital requirements. Additionally, forecast methodology and capital plan submissions that were previously accepted by regulators may not be accepted in the future. As regulatory scrutiny continues to increase, it is imperative for banks to produce a comprehensive view of loss projections prior to submitting capital plans to the Federal Reserve.
  • Loss Forecasting: Modeling Methodology (video)
    Video Uploaded Date: Aug 18, 2015

    Effective loss forecasting is essential to capital adequacy planning. Is your approach accurately forecasting potential losses? The position of a bank's capital adequacy is directly tied to accurate loss forecasting. Adopting the most robust modeling methodology to forecast losses is a critical element to capital planning efforts. Loss-forecasting modeling has proven to be an extremely complex and resource-intensive process. Given the multitude of potential data sources and various methodologies, how do you know if you're using the most accurate model for your business? Favored by regulators in recent years, Experian's modeling approach has been shown to produce more accurate forecasts over other commonly used methodologies.

  • Interactive eBook: Protecting the Customer Experience
    Document Published Date: Aug 13, 2015
    Fraud continues to grow and evolve, affecting consumers, businesses and agencies alike. As technologies evolve and information security tightens, the savvy nature of fraudsters becomes more sophisticated. Fraudsters are continually striving to be one step ahead of the next fraud-prevention strategy. As consumers move from face-to-face interaction to online and mobile transactions, there is a pressing need for more elaborate and accurate fraud prevention.
  • Webinar: An Inside Look Into e-OSCAR
    Webinar Published Date: May 20, 2015

    View this on-demand webinar to get an inside look into e-OSCAR®. Hear from Pat Henderson from Experian's National Credit Assistance Center (NCAC) who leads a team of highly skilled and knowledgeable agents in the NCAC who are dedicated to assist consumers with disputes and fraud assistance.

  • A leading North American bank employs Experian's best practices in moving toward a centralized, integrated marketing organization.
  • With a mix of consumer vigilance and the right protections in place, organizations can protect themselves from attacks, while keeping access available to customers. Learn about the implications data breaches can have on your business.
  • Experian consultants provided a strategy review to gain an in-depth understanding of the client¿s challenges and proposed practical solutions while uncovering new opportunities. The engagement resulted in strategic and tactical recommendations on how to minimize both fraud and credit risk, as well as how to diversify into new markets.
  • Improving risk management and regulatory compliance
    Document Published Date: Apr 13, 2015
    A globally diversified financial services company was able to manage risk more effectively, while satisfying regulatory compliance requirements
  • Complying with regulations using Loss Forecasting Models
    Document Published Date: Apr 1, 2015
    Experian's consultants helped a large U.S. consumer and commercial bank identify it's immediate compliance needs and provided consulting, analytics, and documentation support for the bank's loss-forecasting models.
  • STAR Financial Bank sought a more effective approach to understanding the risks and requirements within its loan portfolio. The challenge was finding the most comprehensive view of risk.
  • Experian consultants assisted a leading international bank with developing and documenting probability of default (PD) models to meet Basel II requirements
  • Experian's Income Insight helps you give line increases to consumers who have the greatest ability to pay.

  • Experian consultants provided rich data, extensive Basel expertise, and analytics to help the one of the Top 10 banks in the US meet its Basel II regulatory requirements
  • The Impact of Consumer Data Reporting
    Document Published Date: Jan 19, 2015

    Today's consumer is well versed in understanding tools such as credit scoring and data reporting. Now more than ever, they are looking for a fair and accurate representation of their financial history. Data furnishers need to be at the forefront of understanding their reporting and management options. Learn how to improve the customer experience by being proactive and prepared with complete consumer data reporting.

  • Mobile Banking Solutions
    Video Uploaded Date: Jan 6, 2015

    For today's tech-savvy customers, banking no longer involves a place you visit. It's a thing you do. Banks have worked hard to provide convenient online and mobile tools to make everything from checking balances to making deposits at home or on the go a simple, seamless process for their customers. Target the right customer at the right time. Connect with qualified consumers and make in-the-moment offers on their terms.

  • The New Customer Experience
    Document Published Date: Jan 5, 2015

    Consumer expectations are changing rapidly, and there has never been a better time to create a more customer-centric organization. But companies need to do more than simply survey customers and develop new strategies. They need to take aggressive steps to develop an in-depth understanding of their customers, then develop and implement a comprehensive customer experience program.

  • Given constantly evolving market conditions, companies are faced with the challenge of keeping informed in order to empower the best decisions. Without an understanding of credit trends, it is difficult to stay ahead of the competition and meet consumer needs.
  • Video: Navigating the World of Consumer Credit
    Video Uploaded Date: Jan 1, 2015
    With so many factors to consider when designing your credit strategies and policies, it is critical to have a comprehensive view of all relevant information. Learn how your organization can get a clear view of the latest market direction to uncover new opportunities and identify profitable trends.
  • Watch an overview of consumer credit trends from the Q3 2014 Experian-Oliver Wyman Market Intelligence Report. Areas of focus include understanding consumer behaviors and trends that impact consumer credit decisions.

  • Targeting the Lucrative Balance-transfer Market
    Document Published Date: Oct 31, 2014

    As the playing field is stabilizing for the credit card industry, lenders are in a position now more than ever to grow their profits. Consumers are motivated to manage their cash flows, and improve their credit health; and they are transferring card balances, seeking the best rates. Learn how to attract the right audience, segment the surfers and deleveragers, and build customer loyalty.

  • Mobile Banking: Enhancing Your Customers' Experience
    Document Published Date: Oct 31, 2014

    Deepen relationships with your customers and enhance loyalty by anticipating their financial services needs. Discover the best ways to increase monetization in the mobile banking channel. And, learn how to target and connect with qualified customers and prospects, offering in-the-moment credit offers.

  • Digital Acquisition Video
    Video Uploaded Date: Sep 19, 2014

    When a customer is ready to buy, you want to be there. The integration of credit screening into online marketing banners is key to promoting engagement and consumer empowerment. View the video below to learn how to maximize conversions in online and mobile channels by analyzing rich customer and device data to solve for emerging challenges around targeting, ID verification and prequalification.

  • In recent years, identity theft has risen from a fairly unknown crime to a huge and costly problem. As perpetrator attacks become more sophisticated, your customers become more vulnerable.
  • Engaged customers spend 30 percent more with a business.Yet, when it comes to insurance, there¿s a unique challenge: A lack of customer touch points to drive engagement.
  • Authentication: In the Mind of the Consumer
    Document Published Date: Sep 8, 2014
    Despite all of the concerns about online privacy, we still hear reports about people not protecting themselves online. They use simple passwords, they reuse passwords across websites, and they expose their most personal and intimate data through social media.
  • North American consumers show a growing appetite for expanding their use of online services and mobile devices but want more awareness and control over how their personal information can be safeguarded to protect their credit,their identities, and their overall privacy. P&C insurance companies are well positioned to be thought leaders and help consumers understand how their personal information, when exposed, can put them at risk. With risks increasing,insurers are well positioned to be a key resource in protecting consumers.
  • View a detailed overview of consumer credit trends from the Q2 2014 Experian¿Oliver Wyman Market Intelligence Report. We take an in-depth look at the real estate market, including whether the recent slowdown is a legitimate concern or simply a bump in the road to recovery.

  • Desjardins: Developing a new risk-management expertise
    Document Published Date: Jul 1, 2014
    The largest financial services group in Canada, Desjardins, developed a new generation of risk-management expertise to keep pace in a changing marketing.
  • Knowing who you are doing business with isn¿t just a sound business practice to protect your bottom line; in many cases, it also is a legal requirement. Identity verification techniques have been evolving over the past few years to meet business priorities beyond fraud prevention, including customer experience, operational costs and regulatory compliance.
  • Customers have a legitimate expectation that the institutions with which they do business will safeguard their identities, accounts and sensitive data. When fraud or a data breach occurs, that trust can be broken. All the work an institution has done to build its brand image can be damaged suddenly. With the right controls in place, even when customer information is compromised organizations can easily tell the difference between good customers and fraudsters.
  • Technology is allowing clients to utilize a number of new and different emerging channels to conduct business, with mobile seeing the greatest increase in usage. Learn more about the challenges of protecting customers in a mobile environment.
  • View a detailed overview of key changes in the consumer lending environment. Topics include: consumer behaviors in the context of economic trends from real estate, banking and automotive as well as trends that impact consumer credit decisions in real estate, banking and automotive.

  • Institutions can have difficulties identifying fraud risks at the point of origination, and this challenge has expanded as mobile and online channels have become widely used by consumers. At the same time, fraudsters' techniques are becoming increasingly sophisticated. To compensate, organizations have had the choice of either implementing very tough identity-proofing standards ¿ risking turning away legitimate customers ¿ or lessening their criteria and opening themselves to increased risk.
  • The availability and opportunities for customers to conduct business through mobile devices continues to multiply, challenging organizations to protect customers without impacting their experience. Understand five challenges of customer authentication in an increasingly mobile world.
  • Union Bank N.A., a full-service commercial bank, faced a challenge to achieve better control of its internal processes for the Business Banking portfolio
  • Get a recap of consumer credit trends from the Q4 2014 Experian-Oliver Wyman Market Intelligence Report, including a year-end review, understanding consumer behaviors and trends impacting consumer credit decisions.

  • The Underbanked Consumer
    Webinar Published Date: Mar 26, 2013
    Is your organization serving the nearly 25 percent of the population that has little to no credit history? View this on-demand webinar and learn how targeting these under-served consumers can drive profitability. Hear from industry-leading experts regarding the testing of new data types and new analytics strategies as well as ways financial institutions are confidently and accurately assessing the credit worthiness of the almost 64 million consumers ¿ real people from diverse backgrounds ¿ who are considered un-scorable by standard credit models.
  • Improving decisions across the Customer Life Cycle
    Document Published Date: Sep 3, 2012

    Companies pursuing higher performance must find ways to simultaneously adapt to change. They have to work harder to rapidly pull insights about customer behavior and market trends from huge quantities of their own data as well as data from other sources. They work harder just to surmount process gaps and obstacles caused by traditional methods of developing and deploying decisioning strategies and tools. Incompatible software, different data formats, and lack of integration between strategy design and execution mean that too much time is being spent just on the mechanics of customer decisions.

  • Redefine Your Credit Marketing Growth Strategies
    Video Uploaded Date: Jun 13, 2012

    Identify the Best Near-Prime Prospects

    Are you excluding significant revenue by missing out on profitable segments within the broader consumer spectrum? As lenders aggressively seek to grow their portfolios, inclusion of specific micro-segmentation tools and risk models make it possible to identify highly responsive, low-risk prospects.

    Watch the webinar now to hear analyses and the resulting strategy to target more effectively across a broader credit spectrum of consumers while mitigating risk. You will learn how to identify the most credit-worthy, near-prime prospects.

  • Trends in Portfolio Management
    Document Published Date: May 3, 2012

    Lenders must look even more frequently and much more closely at their loan portfolio and “dig in” to consumers’ behavior to set short-term portfolio management strategies.

  • Understanding a consumer's past behavior s crucial to developing a strategy for the future.

    The value of trended data is that it allows you to get the full picture of your customers: both short-term changes — the past one, two and three months — and an extended view up to 24 months prior. How can trended data offer deeper behavioral transparency and aid in targeting, underwriting and retention decisions?

    View this on-demand Webinar and find out how trended data can be used to:

    • Differentiate among customers with the same risk profile
    • Identify actions other lenders have taken that impact your customers
    • Separate customer past behavior and payment stress, targeting better offers and services
    • Calculate revenue potential and your wallet share

    Learn how you can add depth to a credit report and give your customers credit for their history. Watch now.

  • State of the U.S. Credit Markets
    Document Published Date: Apr 3, 2012

    The economy’s recovery from the Great Recession may have started slowly, but it is accelerating – and it’s genuine. Economic indicators tell the story of improving business prospects. For credit issuers, the message is real, too. Now’s the time to look with fresh eyes at your post recession lending strategies. It’s time to rethink your approach to growth in this market and reassess the profile of the consumer prospect in relation to profitability and market share gains.

  • Technology Credit Union Notification Services Case Study
    Document Published Date: Mar 1, 2012

    Technology Credit Union (Tech CU) implemented Experian’s Notification Services Risk TriggersSM and Retention TriggersSM products to improve its retention rates, deepen member relationships and grow its portfolio. Tech CU was able to fund more than $6 million in mortgage loans. With a return on investment (ROI) of 788 percent. Tech CU found a way to meet its members’ needs while continuing to maintain and meet loan growth targets.

  • By implementing an auto prescreen campaign, Franklin Mint Federal Credit Union exceeded its return on investment goal by nearly 200 percent and increased its one-year campaign net profit by 60 percent.

  • Like many credit unions, SC Telco Credit Union faced many challenges when trying to increase their bottom line. Over the past year, their goal was to grow their loan portfolio by offering new and used auto loans to prospective and existing credit union members.

  • Learn how to minimize time and resources required to guarantee ongoing regulatory compliance, determine which consumers should receive a Risk-Based Pricing Notice, improve customer retention efforts via dedicated dispute resolution and consumer education services, and learn how Experian products can help you comply with the Risk-Based Pricing Rule.