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      Case Study

      Increasing efficiency and funding rates with automated decisioning

      Published September 25, 2020

      Credit Unions Advanced Analytics & Modeling

      Learn how Experian® partnered with OneAZ Credit Union to implement an advanced decisioning system that increased efficiency and improved their member experience, leading to a 26% increase in booking rate immediately after implementation and a 25% decrease in manual reviews.

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      The fintech landscape is evolving rapidly—and 2025 is a pivotal year. Experian’s State of Fintech 2025 Report delivers exclusive insights into the market forces, consumer behaviors, and credit trends shaping the future of financial services. Learn how leading fintechs are adapting and where the next wave of growth is emerging.

      In this report, you’ll discover:

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      Terrace Finance Behavioral Analytics

      Terrace Finance sought out a solution to stay ahead of evolving fraud attacks. They landed on NeuroID’s behavioral analytics — and gained immediate, pre-submit visibility that upgraded their fraud prevention strategy.

      Key Results:

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      • Reduced fraud for lending partners by over 50%
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      22 August 2025

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      Financial institutions face several challenges during the credit decisioning process, such as poor data quality, scalability issues, data fragmentation, and high maintenance costs. Experian can help lending institutions enhance their credit decisioning journey at every step, through:

      • Model development
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      Discover how your organization can take your credit decisioning journey to the next level with the Experian Ascend Platform™.

      White Paper

      01 July 2025

      Unlocking the Equity Era: Why 2025 is the Year of the HELOC

      This white paper explores the transformative potential of Home Equity Lines of Credit (HELOCs) in 2025, a year marked by record-high homeowner equity and shifting consumer credit behavior. It offers data-driven insights into how lenders can tap into the $29 trillion in untapped equity by leveraging advanced analytics, behavioral segmentation, and digital innovation to meet evolving borrower needs.

      Key Takeaways:

      • $29T in Untapped Equity: Millions of homeowners are ideal HELOC candidates but remain underserved.
      • Behavior Gap: Many consumers default to credit cards due to misconceptions about HELOCs.
      • Smart Targeting: Use data to identify Revolvers and tailor offers that resonate.
      • Digital Advantage: Compete with fintechs by streamlining approvals and closings.
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