Experian/Moody's Analytics Small Business Credit Index - Q4 2012
May 13, 2013
Small business credit quality continued to deteriorate in the fourth quarter as the Experian/Moody's Analytics Small Business Credit Index dropped 6.8 points to land at 97.3, its lowest reading during our observation period. The index was driven lower by a slowdown in personal income growth and an increase in delinquent balances, which kept retail sales in check and drove small business revenues lower. Over the next few months, small companies will face setbacks as buyers adjust to smaller paychecks and hiring is quelled by political uncertainty, but credit quality is expected to improve by year's end and going into 2014.
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.
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.
Don't get blind sided - Gain insight in establishing an identity management strategy that will adapt to new challenges, authenticating users, mitigating risk, adhering to regulatory constraints without impeding the user experience, and more.
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.
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