Fraud Prevention, Cybersecurity and Identity Proofing

169 Fraud Prevention assets found.

  • Infographic: 2024 Future of Fraud Forecast
    Document Published Date: Feb 14, 2024

    Experian’s 2024 Future of Fraud Forecast sheds light on five of our fraud predictions. From generative AI to retail and small business scams, join our experts to learn what today’s sophisticated fraudsters are scheming for tomorrow and how to protect your business and your consumers.

  • The proliferation of new fraud schemes is growing exponentially. From generative AI to retail and small business scams, join our experts to learn what today’s sophisticated fraudsters are scheming for tomorrow and how to protect your business and your consumers.

  • In our latest infographic we explore rising fraud trends and consumer concerns. Learn about frictionless fraud prevention strategies to securely accelerate onboarding new customers with ease.

  • White paper: Making identities personal
    Document Published Date: Aug 21, 2023

    Learn how the right identity tools can help organizations build relationships across channels in personalized, meaningful and secure ways.

  • Case study: Custom Fraud Model - State Treasury
    Document Published Date: Jun 21, 2023

    Read how our custom ID theft model helped this client prevent $3 million in losses while increasing efficiency.

  • In a recent podcast episode, David Britton discussed the need to orchestrate fraud tools to seamlessly protect against bad actors while improving the experience for good consumers.

  • Video: Seamless digital applications
    Video Uploaded Date: May 4, 2023

    Experian’s CrossCore® Prefill helps organizations provide a low-friction experience for new customers while keeping fraud low with device and phone-based intelligence. See how you can help reduce abandonment and decrease fraud rates.

  • eBook: Building Trust in Digital Marketplaces
    Document Published Date: Mar 21, 2023

    Explosive growth for digital marketplaces means fraudsters and bad actors with malicious intent threaten their reputation, operation and foundation for long-term success. Our experts share why fraud prevention strategy is critical for building trust with customers.

  • Learn how a balanced approached can help your organization prevent lending fraud and create a seamless experience for borrowers.

  • Infographic: Experian's 2023 Future of Fraud Forecast
    Document Published Date: Feb 21, 2023

    With fraud expected to surge amid uncertain economic conditions, fraudsters are preparing new deception techniques to outsmart businesses and deceive consumers. To help businesses prepare for the coming fraud threats, we created the 2023 Future of Fraud Forecast.

  • Webinar: Fraud Strategies for Economic Volatility
    Video Uploaded Date: Feb 6, 2023

    In our latest fraud trends webinar, Experian experts review the current economic landscape, their impact on fraud trends, and how organizations can best implement an effective fraud strategy.

  • In August 2022, the CFPB provided new guidance into their requirements for data protection and information security. Experian experts provided five insights into that guidance and the ramifications for financial institutions.

  • Tip sheet: Three tools for fighting emerging fraud trends
    Document Published Date: Aug 17, 2022

    In this recently updated tip sheet, we review recent market trends that led to an uptick in fraud and how to mitigate the associated risk.

  • In our latest white paper, we explore the impacts of synthetic identity fraud and how the right toolset can help organizations identify and prevent it.

  • Aite-Novarica Group’s The E-Commerce Fraud Enigma: The Quest to Maximize Revenue While Minimizing Fraud Report found the average false decline rate is 1.16%. With over $960 billion in U.S. online sales in 2021, lost sales due to false declines total more than $11 billion, a substantial impact for merchants and their customers.

  • A study conducted in May 2022 by Aite-Novarica Group surveyed 207 large and midsized U.S. e-commerce firms. The research quantifies the impact of online transaction fraud prevention efforts and false declines for U.S. e-commerce and digital marketplace merchants. Download for a snapshot of the study along with key findings.

  • Infographic: Fraud prevention: A journey map
    Document Published Date: Jul 14, 2022

    In our latest fraud infographic, we map out a consumer journey that ties together seamless recognition with fraud prevention so businesses can provide an enhanced customer experience while properly treating third-party, first-party, and synthetic identity fraud.

  • Webinar: Mitigating risk in the digital ecosystem
    Video Uploaded Date: May 5, 2022

    Fraudsters are continuously looking to capitalize on new opportunities. Businesses need to implement an effective fraud and identity solution to prevent sophisticated attacks and balance fraud detection with ease of interactions. Watch this on-demand webinar to learn more about the impact of recent and rising fraud trends and how the proper investment in technology can help businesses mitigate credit risk and fraud while enhancing the consumer experience.

  • Tip Sheet: Fighting Emerging Fraud Trends
    Document Published Date: Dec 20, 2021

    U.S.-based financial institutions have recently reported an increase in fraudulent activity across a range of accounts and lifecycle stages. Most notable are the trends in account takeover, demand deposit account and new account fraud, all of which are exploiting addressable weaknesses. What’s the best way to prevent these types of fraud? It starts with implementing the right tools.

  • Webinar: Preventing Fraud in Emerging Marketplaces
    Video Uploaded Date: Nov 23, 2021

    In this webinar, experts from Experian and Liminal discuss recent and upcoming fraud trends impacting all types of businesses -- including financial institutions, tech companies and more -- and how an automated fraud solution can minimize fraud, provide consumer confidence and reduce silos within organizations.

  • To meet the demands of today’s customers, it’s more important than ever for organizations to be adaptive and efficient. Read our latest use case to gain valuable insight into the benefits of automated income verifications.

  • The acceleration to digital platforms created a perfect storm of new opportunities for fraudsters. Synthetic identity fraud, stimulus-related fraud, and other types of cybercrime have seen huge upticks within the past year and a half. In fact, the Federal Trade Commission revealed that consumers reported over 360,000 complaints, resulting in more than $545 million in COVID-19-related fraud losses as of September 2021. To protect both themselves and consumers, businesses — especially lenders — will have to find and incorporate new strategies to identify customers, deter fraudsters and mitigate cybercrime.

  • In this webinar, our experts discuss post-pandemic fraud and identity trends and best practices, including how to prevent bot-driven attacks, improving the customer experience while mitigating risk and more.

  • Created in partnership with One World Identity, this report provides an overview and analysis of the obstacles hindering digital identity management, the ambiguous regulatory landscape and issues with consumer trust. The solution: a layered approach that allows organizations to modernize identity and determine known, verified and unique individuals while also building in services customers want and expect. Click below to download the white paper.

  • Video: Crosscore Precise ID in Experian Access
    Video Uploaded Date: Jun 7, 2021

    The world of fraud is changing rapidly. As consumers move online, more and more businesses rush to meet them there. Consequently, criminals use different fraud tactics—each requiring specific tools and techniques to combat.

    Learn how Experian help lenders meet the challenges of compliance and fraud through the Experian Access℠ platform in this video demo.

  • Webinar: Managing fraud and identity in 2021
    Webinar Published Date: Mar 25, 2021

    Watch as our experts discuss the top fraud and identity trends for 2021—including first-party, synthetic identity, account application and account takeover fraud. We’ll also explore how fraud prevention and detection tools can become part of your growth strategy.

  • The pandemic led financial institutions and fintechs to lean on digital services - an evolution that coincided with unprecedented levels of fraud.

    In a new report, in partnership with One World Identity, we explore how digital identity and technologies like machine learning, AI, and biometrics can be the key to addressing fraud attacks and other benefits. Learn more in this white paper.

  • As a result of the COVID-19 pandemic and resulting economic downturn, businesses rushed to update their fraud and identity strategies and tools. Now is the time to review your recession response and ensure that your business is prepared to deal with the fallout from rising unemployment and changes in consumer behavior.

    During the webinar, you’ll gain actionable insights on:

    • How to respond to recent and emerging fraud trends
    • Building a layered fraud response plan
    • Protecting your business and your customers in the long term
  • Webinar: Uniting your fraud and growth strategies
    Video Uploaded Date: Dec 2, 2020

    Dive into recent and upcoming fraud trends and how you can align your fraud protection plans with your growth plans to help make your organization more efficient and optimize your customer experience.

  • During our Experian Telcom Symposium Series our expert speakers discuss the evolution of fraud amidst the current COVID-19 crisis, recent fraud strategies and market trends and how to safeguard your business and consumers from identity theft.

  • The fraud balancing act tip sheet
    Document Published Date: Sep 23, 2020

    Consumers look for security and convenience in their online activities, while businesses see the greatest value in delivering personalized digital experiences. So how can your business manage this balancing act? It’s easier than you think.

  • Synthetic identities are increasingly difficult to detect especially with the growing prevalence of digital banking. IDC Research Director Steven D'Alfonso shares thoughts on the effects SID have on banks and an overview of action to take to detect SIDs and limit exposure. Learn about the impacts of COVID-19 and how Experian's Sure Profile could be a game changer in the battle against synthetic identities in this IDC Perspective.

    Disclaimer: Please note that loss coverage and assurance is no longer offered with Sure Profile.

  • In the second session of our Experian Symposium Series, our expert speakers discuss how automated identity verification solutions can be used to mitigate fraud losses, improve end user satisfaction and adapt to emerging channels and trends.

  • As we began 2020, the new year brought with it an unexpected catalyst for an economic downturn, the COVID-19 pandemic. Since January, COVID-19’s impact on North America has expanded rapidly, leaving consumers and businesses racing to adapt to a new normal. Early indications are that application fraud is increasing threefold.

    Amid increased risk of fraud losses during this downturn, learn how to deploy strategies to mitigate risk while banking with minimal friction in this 2020 perspective paper.

  • Fraud is evolving, but so are you
    Document Published Date: Jul 22, 2019

    Download our tip sheet to learn more about three trends that will help you outsmart fraudsters.

  • Case Study: 4 fraud challenges
    Document Published Date: Jul 22, 2019

    Organizations today are facing many different challenges when it comes to fighting fraud, but there are
    technology solutions available to help. Learn how we’re helping your peers protect themselves and their

  • Is the speed of fraud threatening your business?
    Document Published Date: Jul 22, 2019

    Ever-evolving fraud schemes. Changes in regulatory requirements. New digital initiatives. Increasing expectations for an enhanced customer experience. Keeping up with these shifting dynamics is a constant struggle for fraud and compliance teams.

    Download our tip sheet to learn more.

  • Eligibility verification findings and survey overview
    Document Published Date: Jun 21, 2019

    GOVERNING Institute surveyed 150 State and Local government leaders and discuss the growing need for eligibility verification and the prevalence of fraud across government agencies.

    Download the study to learn more.

  • Upcoming fraud trends and how to combat them: Ebook
    Document Published Date: Jun 11, 2019

    Fraudsters continue to find innovative, unconventional ways to gain access to victims’ accounts and create reputational harm to businesses. But you don’t have to be a victim. Take steps now to prevent and protect your business and consumers from fraud.

    Download the Ebook to learn more.

  • Surveillance, staging, and fraud life cycle
    Document Published Date: Feb 14, 2019

    In this paper, we will explore the activities that make up this part of the account-takeover life cycle, and how collecting and analyzing data from across your business can help identify your good customer before fraudsters can ever get into accounts. Finally, we will give you five ways to reduce fraud impacts and protect your business and customers.

  • This white paper will outline why tracking an organization’s attack rate can not only serve as a benchmark for the overall health of a fraud prevention strategy, but also indicate when that strategy is effectively pushing fraudsters out of the organization.

  • According to Experian’s 2019 Global Identity and Fraud Report, consumers are willing to give more data for a perceived value - security and convenience.

    In this paper, we take a brief look back at where fraud prevention started and explore the evolution our industry must embrace to balance business growth with consumer safety and security.

  • In this paper, we introduce behavioral biometrics as a class of technology in a layered fraud prevention strategy and discuss the three main behavioral areas that are analyzed to help prevent new account fraud.

  • Webinar | Fighting identity fraud in a dark web world
    Webinar Published Date: Jan 9, 2019

    The pace of data breaches continues to rise.

    With the prevalence of personally identifiable information (PII) available from fraudsters, identity management methods have had to evolve. It has been noted that an individual’s identity is available on the dark web for roughly $1,200.

    Several key methods have proven effective in using advanced analytics in fighting identity fraud horizontally across industries and across fraud attack vectors. Pension account take-over, ID fraud in property claims and entitlement ID theft in the public sector have just begun to receive the focus found in the financial services industry.

    Experian’s Solution Consultants will discuss industry trends, the impact of the dark web, and strategies to prevent account take-over and help reduce exposure to identity related schemes like impersonation or synthetic identity.

  • Stem the tide of fraud with proven machine learning
    Document Published Date: Jan 8, 2019

    The cycle repeats: Criminals, when blocked from one fraudulent
    opportunity, look for a new area of vulnerability to exploit.
    Responding to a constantly evolving attack sphere that now
    includes kiosk, mobile, e-commerce and other channels,
    organizations continue to layer more fraud controls atop one
    another. While determined fraudsters work to find ways around
    them, these controls create additional friction for good customers.

  • Active and passive authentication – there’s a time and place appropriate for both. Do you know when? We do.

    This is the second part of our two-part webinar series covering active and passive fraud detection. The active use case introduces a layer of authentication that requires additional user interaction.

    Experian and Mitek experts have joined forces to help you gain greater insight into how to deepen the level of confidence in authenticating the consumer’s identity.

    This webinar will emphasize document verification as a compliment or replacement for KBA based solutions. It will also discuss how growth opportunities are enabled through real time, simple, in-channel authentication using identity documents.

    Learn more about when to use active authentication with Experian and Mitek experts.

  • 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.

  • Aligning your team to fight rising fraud threats
    Document Published Date: Oct 10, 2018

    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.

  • Digital Identity Standards: What's New and What's Next
    Document Published Date: Apr 17, 2018

    Join OWI host Cameron D’Ambrosi and Experian Fraud & Identity Management Senior Business Consultant Keir Breitenfeld as they discuss the impact of NIST’s latest 800-63-3 Digital Identity Guidelines, and how enterprises are adjusting their digital identity strategies to adapt.

  • 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.

  • 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.

  • 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.

  • 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.

  • 4 Common Synthetic Identity Scenarios
    Document Published Date: Nov 14, 2017

    Synthetic identity fraud is an epidemic impacting all markets.

    There is a strong focus on new and underbanked consumers, which can pose a large threat to your onboarding and customer management policies, and most importantly, overall profitability. Fraud slows down systems, drives up costs and exploits the unsuspecting.

    In our latest tip sheet, Four Common Synthetic Identity Scenarios, we provide real-world examples of how synthetic identity fraud is souring various markets, from auto and healthcare to financial services and the public sector.

  • 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.
  • Modernizing Identity Proofing in Government
    Document Published Date: Oct 1, 2017

    To detect and fight fraud, government relies on identity proofing. The National Institute of Standards and Technology (NIST) defines identity proofing as a means “to establish the uniqueness and validity of an individual’s identity to facilitate the provision of an entitlement or service.”

    We partnered with GovLoop to share how to implement a modern, effective identity proofing strategy at your government agency.

  • Hardly a week goes by without the media reporting a large scale hack of sensitive personal or account information. Increasingly, the public seems resigned to believe that such compromises are the new normal, producing a kind of breach fatigue that may be lowering the expectations consumers have for identity and online security. Still, businesses must continue to apply comprehensive, data driven intelligence that helps thwart both breaches and the malicious use of breached information and protect all parties’ interests.

  • 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.

  • Video | The latest insights on e-commerce fraud
    Video Uploaded Date: May 10, 2017

    Our recent analysis shows that e-commerce fraud attack rates have spiked more than 30 percent over the last year. With the recent switch to EMV, data breaches and automation are driving online fraud more than ever.

    Experian® analyzes e-commerce fraud attack rates biannually by both shipping and billing locations. Fraud attack rates show the attempted fraudulent e-commerce transactions against the population of overall e-commerce orders. Download the listing of Top 100 ZIP codes in the United States for 2016.

    Watch this video and click here to check out our latest e-commerce fraud heat map.

  • With the recent switch to EMV and more than 4.2 billion records being exposed by data breaches last year, attackers are migrating their fraud attempts to the card-not-present channel.

    Join Experian and our guest presenter Julie Conroy from Aite Research Group to learn how businesses and customers are being affected by e-commerce fraud. Gain valuable insight and deeper understanding into:

    • Where fraud attacks are increasing across the U.S. and fraud trends from 2016
    • How attackers are exploiting EMV and the challenges it may be creating
    • What are the most common instances of e-commerce fraud and how it happens Strategies to react to the ever-changing fraud landscape
  • Identity proofing insights and best practices
    Document Published Date: Feb 1, 2017

    It’s time to start thinking of yourself as an identity-proofing expert. You’ll be grateful when you are confidently authenticating individuals while delivering a great user experience.

    This paper provides our perspective on identity proofing and risk-based authentication — and more specifically — how those activities may be leveraged for remote access to information systems. Content provided is intended to highlight current industry conditions, risk-based authentication concepts and best practices, and lastly how our expertise with comprehensive identity proofing and risk-based authentication can help you mitigate risk while delivering a great user experience.

  • 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.

  • 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.

  • The Evolution of Identity Management
    Document Published Date: Mar 28, 2016

    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.

  • 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.

  • Webinar: Chipping away at EMV myths
    Document Published Date: Oct 30, 2015

    As a growing number of businesses and consumers across the U.S. are learning and adjusting to new EMV credit cards, many still question the impact EMV will have on protecting consumers and businesses from increasingly savvy and sophisticated criminal fraud rings. Join Experian and our panel of experts as we look at how businesses are faring one month into the EMV liability shift.

  • 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.
  • Data Breach Response Guide 2014-2015 Edition
    Document Published Date: Jul 8, 2015

    According to a recent data breach preparedness study by the Ponemon Institute, much has changed in the world of data breaches in the past year; some are positive, others a bit more challenging. It's no secret that, according to the study, more companies suffered a data breach in 2013 versus the year before.

    The more organizations can do to prepare themselves, by developing and maintaining a comprehensive data breach response plan, the better off they will be in the months and years to come.

  • With 2014 holiday sales in the United States topping $616 billion, many merchants may find it necessary to make adjustments to their fraud-prevention rules to accommodate this increased volume. Our data shows that using this information in more insightful ways helps our merchant apply the right fraud-prevention strategies at the right time.

  • Highlights of how a customer-centric fraud prevention strategy can help drive revenue. Fraudnet eCommerce results compared to industry averages
  • 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 and Moody's Analytics team up to review key findings from the latest Experian/Moody's Small Business Credit Index Q2 2014 report. Learn more about what the small business credit trends could mean for you and your business.
  • Role of Balanced Fraud Management
    Video Uploaded Date: Aug 18, 2014

    Learn to identify, authenticate and prevent fraud Join our panel of experts and learn how to navigate complex and evolving cyber risks within your organization, without sacrificing the customer experience or increasing security vulnerabilities. Our panel will explore: Trends in identity and online fraud, Strategies and tactics to fine-tune fraud risk practices, How to apply intelligence to identify risks before they occur

  • 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.
  • Cybercriminals have become more proficient at stealing data and account credentials. Criminals have learned that they can achieve bigger monetary gains over longer periods of time through undetected access and maintaining a persistent, long-term presence in critical business environments. Our panel of experts will help you learn how to navigate complex and evolving cyber risks without sacrificing the customer experience or increasing security vulnerabilities.

  • Following a full year of steady improvement, small-business credit conditions stumbled during the first quarter of 2014. Credit balances receded slightly from the end of 2013 and the delinquency rate ticked higher to 9.8 percent from 9.6 percent. The setback was fueled in part by harsh winter conditions which may have also slowed employment gains. Weaker GDP growth and a decelerated retail sales growth rate of only 0.3 percent also contributed to the Q1 shortcoming.
  • 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.
  • 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.
  • Experian and Moody's Analytics team up to review key findings from the latest Experian/Moody's Small Business Credit Index Q4 2013 report. Learn more about what the small business credit trends could mean for you and your business.
  • Our study, Risks & Rewards of Online & Mobile Health Services: Consumer Attitudes Explored, examines consumers¿ perceptions about sharing their personal information when using online health services and mobile apps. It also reveals the practices believed to be important to protecting personal health information from a possible data breach.
  • Small-business credit conditions improved for the fourth consecutive quarter in the final three months of 2013. The Experian/Moody's Analytics Small Business Credit Index advanced 1.2 points to 117 from a revised 115.8 (previously 118.5*) in the third quarter. The fourth quarter reading is the highest since data tracking for the index began and is a solid indication that small businesses are finally reaping some of the benefits of the nearly five-year-old U.S. recovery.
  • Experts from Experian and Moody's Analytics join forces to discuss key findings from the 2013 Q3 Small Business Credit Index and provide insight into what's driving small business credit.
  • 2014 Data Breach Industry Forecast
    Document Published Date: Nov 21, 2013
    The number of data breaches both experienced and reported is expected to continue to rise, with new security threats and regulations pushing for more transparency on the horizon. All signs are pointing to 2014 being a critical year for companies to better prepare to respond to security incidents and data breaches.
  • Small-business credit quality improved markedly in the third quarter, lifting the Experian/Moody's Analytics Small Business Credit Index 2.3 points higher to 118.5 from an upwardly revised 116.2 (previously 111.7*) in the second quarter. The most recent index value is the highest since its inception and is an encouraging sign that small firms' financial houses are finally starting to fall into order. The index measures credit quality for firms with fewer than 100 workers and has trended upward for the past year. Credit balances expanded at their fastest pace in at least two years, and the delinquency rate has fallen consistently. Ten percent of outstanding small-business credit balances were past due in the third quarter, down 0.7 percentage point from a year ago and the smallest share since the recovery began. *Recalibration of the index led to the larger-than-average revision.
  • Experian and Moody's representatives discuss key findings in the most recent Experian/Moody's Small Business Credit Index report for Q2 2013 and explore regional small business credit trends.
  • Small-business credit conditions strengthened in Q2, lifting the Experian/Moody's Analytics Small Business Credit Index to the highest level since it began tracking in 2010. Though small-business recovery has been inconsistent regionally, findings from the report indicate that firms have steadily reduced their delinquent debt over the past year. Balance volumes for all business sizes receded measurably from last year, bringing down delinquency rates. Furthermore, credit quality has strengthened for every business size. At an average of 10.2 percent, the total share of delinquent dollars is 2.4 percentage points lower than it was a year ago and is at the lowest point on record. Looking forward, small-business credit quality is expected to continue improving at a modest pace until spending growth accelerates sometime in 2014.
  • Data Breach Response Guide - Recently Updated
    Document Published Date: Aug 23, 2013
    Data breaches are hitting business in nearly every industry. If you aren't prepared, you're already behind - even if you've never experienced a breach. Learn how to develop your response plan and build your response team before you need them. Recent updates include information directed toward entities dealing with healthcare related information regarding the HIPAA Omnibus Rule and the complexities they might encounter in fielding a data breach, as well as an updated section around the current legal landscape and the work being done there.
  • The First 24 Hours Data Breach Resolution Checklist
    Document Published Date: Aug 8, 2013
    Acting quickly following a data breach can help you regain your security, preserve evidence and protect your brand. Make these tips the first steps you take toward data breach resolution.
  • With the increasing cost and volume of data breaches, cyber security is quickly moving from being considered by business leaders as a purely technical issue to a larger business risk. This shift has spurred increased interest in cyber insurance to mitigate the cost of these issues. In a new study sponsored by Experian® Data Breach Resolution, Ponemon Institute surveyed risk management professionals across multiple sectors that have considered or adopted cyber insurance. Based on responses, many understand that security is a clear and present risk. Indeed a majority of companies now rank cyber security risks as greater than natural disasters and other major business risks.
  • Although higher tax burdens on U.S. households were expected to make it more difficult for small companies to pay down debts, small business credit conditions improved in the first quarter of 2013, reversing much of the deterioration seen during Q4 2012. The improvement in credit quality has largely been the result of firms keeping a tight lid on labor costs. And while the overall picture has brightened for small companies over the past year, credit conditions are improving unevenly, both by firm size and geographically. Looking at the future, buyers are expected to continue closely watching their finances through the next quarter, limiting their discretionary spending which will cap revenue gains at small companies. Additionally, small-firm employment is likely to stay flat through the fall in preparation for "Obamacare" taking into effect in 2014.
  • Cyber Insurance 3.0: Risks, Rewards and Future Outlook
    Document Published Date: Jun 6, 2013
    Cyber insurance, the fastest-growing specialty line in the commercial market, is rapidly becoming vital to the financial health of organizations. Although it has been available since the late 1990s, cyber insurance is now gaining momentum among small and mid-sized organizations. In the past, it was primarily purchased by large and high-tech companies. It is no coincidence that the popularity of cyber insurance is escalating along with the number of data breach incidents. Whether caused by a hacker or human error, the frequency and severity of breaches are increasing.
  • In this latest podcast, Answer Man Ozzie Fonseca, Senior Director of Experian® Data Breach Resolution discusses how cyber insurance can help organizations in the event of a data breach. Ozzie interviews Katherine Keefe from Beazley Insurance where she leads the Beazley Breach Response services.
  • CFO eBook: Lending in Limbo
    Document Published Date: May 14, 2013
    The commercial lending landscape has changed. Larger in number but smaller in dollar volume, small-business loans take up more resources and may not be as profitable in the long run to banks, making them less of a focus. Lending in Limbo gives techniques and solutions for the commercial lenders when lending to small businesses. The solution is to be part of ending this crisis, in which other organizations have implemented.
  • 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.
  • Navigating A Healthcare Data Breach eBook
    Document Published Date: May 10, 2013
    The healthcare industry is constantly evolving with new procedures and technology in the operating room. The same is needed in the back office, where data security can either make or break an organization. Given HIPAA¿s stricter new regulations, with which organizations have until September 23, 2013 to comply, the time for making small strides in security, privacy and data breach preparedness is over. This eBook provides 5 takeaways from lessons learned from the field.
  • The latest study from the Ponemon Institute, sponsored by Experian® Data Breach Resolution How prepared is your company for a material data breach involving the loss or theft of more than 1,000 records containing sensitive or confidential business information? How would you grade the incident response plans in place that would reduce such negative consequences as the loss of reputation, customer loyalty and regulatory fines? In a new study sponsored by Experian® Data Breach Resolution, Ponemon Institute surveyed a representative sample of privacy and compliance leaders in various-sized organizations in the United States on the following topics: - Expectations that their organizations will experience a material data breach resulting in loss of customer trust, regulatory fines, loss of customer and negative public opinion - Data security practices in place to avoid a material data breach - The existence of a quality data breach preparedness plan
  • Answer man Bob Krenek, also known as Experian's Senior Director of Data Breach Resolution, interviews healthcare attorney Paula Stannard about changes coming down the pike. Stannard, an attorney with Alston & Bird, explains why she believes the new regulations will result in an enormous rise in the number of incidents being classified as healthcare breaches.
  • Learn How To Accelerate Your Breach Response
    Podcast Uploaded Date: Mar 12, 2013
    Ozzie Fonseca, Senior Director of Experian® Data Breach Resolution, interviews Miriam Wugmeister, who chairs the global privacy and data security group at the law firm of Morrison Foerster.
  • Ponemon Study: Securing Outsourced Customer Data
    Document Published Date: Feb 7, 2013
    The purpose of the study is to understand the frequency of data breaches when consumer data is outsourced, steps taken to ensure vendors' data stewardship and differences in privacy and security practices between companies that outsource and their vendors.
  • Fifth Annual HIMSS Security Survey
    Document Published Date: Dec 12, 2012
    This survey reports the opinions of information technology (IT) and security professionals from healthcare provider organizations across the U.S. regarding the tools and policies they have in place to secure electronic patient data.
  • Issue Brief: Beyond Traditional Eligibility Verification
    Document Published Date: Dec 6, 2012

    How Data and Analytics Can Reduce Fraud and Deliver Better Program Compliance

  • This case study explains how LEAF, an equipment leasing and financial company for dealers, resellers, manufacturers and distributors, is able to stay competitive by refining its business strategies and focusing on development of more profitable account relationships with Experian business credit reports as well as membership in the Small Business Credit Share consortium.
  • This case study explains how PC Mall was able to manage risk across the Customer Life Cycle with quality data delivered through implementation of BusinessIQ, an offering from Experian Business Information Services.
  • This case study details how Interline Brands used automated decisioning tools and centralized their credit management platform online with Business Information Services to identify risky accounts more effectively and improve profitability.
  • Data Breach Case Study of Lessons Learned from the Field
    Document Published Date: Nov 5, 2012
    Data breaches just don't quit, and, for the most part, that's bad news for consumers and businesses. But there's good news too, in the lessons learned from recent events. The business community now has multiple points of reference about what works and what doesn't in breach preparedness and response.
  • This case study details the deployment of a Business Information Services tool that helped a large distributor of foodservice equipment and supplies with account management and continuing their double-digit sales growth.
  • Published Date: Nov 1, 2012

    A risk-based approach to agency identity proofing: Experian's lessons learned and best practices for government agencies.

  • Guide to Building Smart Business Credit
    Document Published Date: Oct 17, 2012
    Understanding how to build business credit is important. It can save you money, establish valuable commercial relationships, and grow your company. This guide provides clear, concise advice on how to develop business credit over the long haul.
  • Cyber Insurance and Your Data Breach Response Plan
    Document Published Date: Oct 11, 2012
    In recent months, several entities have publicly announced being affected by cyber incidents. Almost daily, online accounts are hacked, external hard drives are stolen and thumb drives are lost.
  • A Widening Focus: Setting Your Sights on Growth Companies
    Document Published Date: Oct 4, 2012
    Small and mid-sized customers are becoming a steadier source of profits for large companies so risk and credit management strategies at companies should be revised to improve evaluation of these prospects.
  • Today, more than ever, healthcare companies are at risk for the potential loss of medical records for reasons that vary from employee negligence to the ill-intent of a hacker who stands to gain a premium for medical information on the black market. So how will your organization conquer the hurdles and consequences of a data breach especially in the most important first 24 hours?
  • Findings from the Q2 2012 Experian/Moody's Analytics Small Business Credit Index report finds small business credit conditions have improved slightly amid economic concerns.
  • This paper explores how this new weapon helps detect identity theft and other fraud, how data velocity can prove the key to predicting identity theft, and how to still deliver a strong and quick return on investment.
  • This white paper presents some of these latest trends affecting the small-business lending landscape. Specifically, it illuminates how companies are using the new robust data sources and analytic tools--from consortium data to rapid model customization--to maximize their interactions with small-business clients with greater accuracy.

  • This annual study on medical identity theft is designed to determine how pervasive this crime is in the United States and how it has affected consumers.
  • The new 2012 Consumer Study on Data Breach Notification by the Ponemon Institute finds consumers are critical of the notification letters they receive.
  • HealthcareInfoSecurity conducted the Healthcare Information Security Today survey to provide an in-depth assessment of the effectiveness of data protection efforts.
  • Unlocking the Value in Business Information
    Document Published Date: Apr 9, 2012
    As hopes for a robust return to market growth continue to dim, and as companies increasingly find that cost-cutting alone is no longer enough to protect the bottom line, finance executives are being challenged to do even more with even less. For companies striving to find secure paths to business expansion, growing profitably may mean learning much more about their customer base- both their current customers and the customers they haven't yet acquired.
  • Learn how finance executives are gaining valuable intelligence on customers, on operating performance, and on potential risks -- and how they're using that knowledge to help their companies grow securely in an uncertain world.
  • Ponemon Institute: The Aftermath of a Data Breach
    Document Published Date: Mar 6, 2012
    The Aftermath of a Data Breach study by the Ponemon Institute shares the insights of IT professionals with actual experience dealing with a breach.
  • Ponemon Institute: The Reputation Impact of a Data Breach
    Document Published Date: Mar 6, 2012
    According to this study, fifty-four percent of companies believe it can take 10 months to more than two years to restore a company's reputation following a breach of customer data. Find out what else executives are saying about how a data breach can affect the reputation and image of an organization.
  • A Survey on Healthcare Information Security
    Document Published Date: Mar 6, 2012
    This survey reveals that 43 percent of healthcare organizations grade their ability to counter information security threats as poor, failing or in need of improvement. This can lead to an increased risk of a data breach. Learn what preparing for a data breach means and the steps that need to be taken from our industry experts.
  • December 2011 Business Benchmark Report
    Document Published Date: Jan 31, 2012
    The Business Benchmark Report is a quarterly look at how U.S. businesses are faring. Designed to monitor the progress of business recovery, the report looks at four key indicators of business health.
  • September 2011 Business Benchmark Report
    Document Published Date: Oct 18, 2011
    The report shows that all U.S. businesses have demonstrated an increase in slow payment compared with September 2010, with large businesses showing the greatest increase.
  • Security is a business risk which must be accounted for in every organization¿s enterprise risk management plan. Find out how to protect your business.
  • June 2011 Business Benchmark Report
    Document Published Date: Aug 23, 2011
    The Business Benchmark Report is a quarterly look at how U.S. businesses are faring. Designed to monitor the progress of business recovery, the report looks at four key indicators of business health.
  • Best Practices in case of a Healthcare Data Breach
    Document Published Date: Aug 9, 2011
    Customer turnover in response to a data breach continues to be a dominant factor in data breach costs. Learn what steps to take during the first 72 hours of a breach incident.
  • March 2011 Business Benchmark Report
    Document Published Date: Jul 1, 2011
    The Business Benchmark Report is a quarterly look at how U.S. businesses are faring. Designed to monitor the progress of business recovery, the report looks at four key indicators of business health.
  • Learn about the findings from the Second Annual Survey on Medical Identity Theft and how it affects American consumers.
  • Understanding Changes in Credit Supply and Demand
    Document Published Date: Jun 19, 2011

    The U.S. economy has experienced a record drop in consumer borrowing. Experian tracked a sample of credit-active consumers to show consumer deleveraging has occurred & demand for credit has declined.

  • Over $1 billion paid out in fraudulent benefit claims & social housing provision could be eradicated if simple fraud-prevention techniques were implemented more widely across the public sector.

  • First Party Fraud - trends, challenges and outlook
    Document Published Date: May 15, 2011

    Businesses have many opportunities to uncover bottom-line savings with a focus on applying analytics and decisioning strategies at key process points to detect first-party fraud and minimize losses..

  • State Legislation Effects on Data Breach Resolution
    Webinar Published Date: Apr 11, 2011
    This webinar discusses State data breach bills being considered in 2011, data breach incident response, and trends in data security legislation and regulation.
  • Personal Health Information at Risk: Issues and Answers
    Webinar Published Date: Apr 7, 2011
    This webinar discusses consumers' privacy expectations, best practices for protecting data in compliance with HIPAA and HITECH, and what steps to take in the event of a data breach.
  • 2011 a Year for Action
    Document Published Date: Apr 1, 2011

    In the Nation's consumer credit markets, 2011 should prove to be the year of expanded recovery that 2010 was suppose to be.

  • Eventually, almost every company may need to respond to a threat or actual data breach. There are steps to prepare and to get through an incident. This paper provides some helpful considerations to responding to a data breach and vendor relationship practices regarding data breach risk.
  • Second Annual Survey on Medical Identity Theft
    Document Published Date: Mar 1, 2011
    This survey reveals the lack of awareness many Americans have about medical identity theft and the devastating consequences it can have. These include financial loss, incorrect medical records and harm to their credit scores. Moreover, medical identity theft appears to be an easy crime to commit.
  • December 2010 Business Benchmark Report
    Document Published Date: Jan 31, 2011
    The Business Benchmark Report is a quarterly look at how U.S. businesses are faring. Designed to monitor the progress of business recovery, the report looks at four key indicators of business health.
  • Breaches are about more than identity fraud. They are about placing brand equity and customer loyalty at serious risk.
  • How Policy Will Shape Data Privacy in 2011
    Webinar Published Date: Jan 1, 2011
    This webinar offer a brief overview of the changing landscape in data privacy and a look at how policymakers view the regulatory environment.
  • State laws requiring "reasonable" data security have had a positive impact, but data breach notification laws have had the most profound effect on the improvement of data security.
  • A 360 View of a Data Breach
    Webinar Published Date: Dec 7, 2010
    Find out what to do when there is a data breach, from investigation to notification.
  • Data Breach Case Studies: From Incident to Resolution
    Document Published Date: Dec 1, 2010
    An investigative approach to data breaches. Learn important lessons learned from data breach case studies where some key tactics were applied.
  • Data Breaches - 2010
    Document Published Date: Nov 21, 2010
    This paper discusses how data breaches happen and what your organization can do to prepare.
  • The new law, called the Dodd-Frank Act, will change the way many large and small financial institutions operate, likely placing downward pressure on the availability of consumer credit.
  • November 2010 Business Benchmark Report
    Document Published Date: Nov 1, 2010
    The Business Benchmark Report is a monthly look at how U.S. businesses are faring. Designed to monitor the progress of business recovery, the report looks at 4 key indicators of business health.
  • September 2010 Business Benchmark Report
    Document Published Date: Oct 31, 2010
    The Business Benchmark Report is a quarterly look at how U.S. businesses are faring. Designed to monitor the progress of business recovery, the report looks at four key indicators of business health.
  • October 2010 Business Benchmark Report
    Document Published Date: Oct 1, 2010
    The national avg. days that businesses paid their bills beyond contracted terms remained flat when compared with September, but this metric has seen a 10% increase since the beginning of the year.
  • How to Conduct a HITECH Risk Assessment
    Webinar Published Date: Sep 23, 2010
    View this webinar to learn new insights into what you can do to proactively address HITECH compliance.
  • Learn the why and how of conducting a risk assessment for compliance with HITECH. Find out what approaches you should take and who should be involved to minimize vulnerability in healthcare privacy and security issues.
  • This webinar discusses do's and don'ts about how to react in the face of sudden data loss and gain key insights into developing a proactive data breach preparedness plan.
  • August 2010 Business Benchmark Report
    Document Published Date: Aug 1, 2010
    The percentage of dollars delinquent has increased by 6%. This has been following a consistent trend over the last 6 months, where percentage of dollars delinquent has shown a 14% increase.
  • July 2010 Business Benchmark Report
    Document Published Date: Jul 1, 2010
    The national average number of days that businesses paid their bills beyond contracted terms increased by 2 percent in July compared with June.
  • Healthcare data breaches are an increasing issue & this paper addresses reasons for that. Find out what you need to know about data breach best practices in healthcare data breach resolution.
  • An estimated 1.4M Americans were victims of medical identity theft in '09. This white paper addresses the impact of a breach to consumers and the business and provides data to support the conclusions.
  • The Changing Mortgage Landscape
    Document Published Date: Apr 1, 2010

    Supply and demand across the credit risk spectrum Experian? analyzed the levels of supply and demand of consumer mortgage credit prior to and after the market meltdown. The increasing rift in consumer behavior between those in the highest credit-quality brackets and those in the lower brackets necessitates a new perspective on the credit-active population that takes into account two or more distinct consumer groups.

  • The Future of Credit Card Underwriting
    Document Published Date: Apr 1, 2010

    The card lending community is facing increasingly tighter regulations, restrictive lending criteria and continued economic challenges which will continue to impact how the industry does business going forward.

  • About Medical Identity Theft and Healthcare Data Breaches
    Document Published Date: Mar 31, 2010
    The frequency of medical identity theft is on the rise. Explore what that means to your company's and your client's risks of a medical data breach and potential loss of customer and brand loyalty.
  • Experian has produced a powerful and descriptive portrait of identity fraud victims. This analysis makes it clear that affluent suburbans top the list as the most at-risk consumers.

  • Combating the Rising Tide of Medical Identity Theft
    Document Published Date: Oct 1, 2009
    A data breach can be a gold mine for medical identity thieves. Learn about medical identity theft and how fraud resolution experience can help resolve the damaging consequences.
  • Data Breach Response Best Practices Prepared for Experian
    Document Published Date: May 1, 2009
    Data Breaches have become commonplace ? 26% of U.S. consumers have received data breach notifications. This report lists best practices for organizations before, during, and after a data breach.