White Paper

193 White Paper assets found.

  • As interest rates soften, pent-up demand stands poised to surge once affordability shifts. Given this environment, it’s imperative to reassess your lending strategy to recognize new avenues for growth. We've examined the first-time homebuyer segment to identify credit-qualified prospects and offer insights on potential opportunity areas.

    Download our white paper to deepen your understanding of first-time homebuyers and learn best practices for how to successfully identify and engage this audience to help your business drive more sustainable growth.

  • Optimizing recovery with Collection Triggers
    Document Published Date: Mar 12, 2024

    Learn how our solution can help you establish a more profitable debt collections strategy.

  • White paper: Finding the Lending Diamonds in the Rough
    Document Published Date: Nov 7, 2023

    New insights from Cornerstone Advisors dive into the need for financial institutions to leverage automation, expanded data and machine learning in order to be successful amid economic uncertainty.

  • eBook: Debunking the top 5 myths about optimization
    Document Published Date: Oct 17, 2023

    Learn about five common misconceptions about strategy optimization.

  • White paper: Optimizing the end-to-end AI/ML lifecycle
    Document Published Date: Sep 21, 2023

    Learn how a machine learning model development environment can improve model velocity and operational efficiency.

  • 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.

  • Use Case: Supercharge your account review process
    Document Published Date: Aug 8, 2023

    Efficient and effective account review requires convenient, always-on access to fresh customer insights. View our use case to explore the different types of models, scores and attributes that you can access through Ascend Quest to manage risk and retain your best clients.

  • E-book: The Ultimate Guide to Competitive Growth
    Document Published Date: Aug 7, 2023

    With consumers seeking better returns on their deposits and banking relationships, financial institutions must refine their growth strategies to remain competitive. Read our e-book to learn how you can boost deposits, strengthen existing relationships and provide seamless and secure digital experiences.

  • Learn how optimized debt management and recovery strategies can help you get ahead of a potential uptick in collections activity.

  • In this report, we will debunk a few common BNPL myths and uncover the various ways in which transparency of BNPL data and benefit consumers and drive financial inclusion.

  • Learn about the current AI decisioning landscape and its implications on the future of lending.

  • Learn how a digital debt recovery solution can help streamline collection processes and enhance customer satisfaction.

  • 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.

  • e-book: Build a profitable portfolio with credit attributes
    Document Published Date: May 17, 2022

    Discover how custom attributes and models can help you stay ahead of your competitors, make more informed credit decisions across the entire lending lifecycle and open the door for growth, reduced risk and improved loyalty.

  • White paper: Making identities personal
    Document Published Date: Mar 29, 2022

    Consumer expectations for their identity interactions are at an all-time high, and to win their trust and loyalty, organizations have to provide personalized, seamless, and secure experiences. Discover how personalizing identities builds trust and helps organizations recognize, serve and protect consumers and businesses in an ever-changing world.

  • eBook: The Keys to Optimizing the Digital Experience
    Document Published Date: Feb 10, 2022

    In our latest e-book, we explore the four keys required to optimize the user journey for both individual consumers and small businesses, including the positive impact of a well-structured onboarding process.

  • White paper: Financial Inclusion and Access to Credit
    Document Published Date: Jan 11, 2022

    Credit plays a vital role in the lives of consumers. Unfortunately, not every creditworthy individual has equal access to financial services. Download our white paper to discover the current state of access to consumer credit and key opportunities and challenges for lenders to address in expanding financial inclusion.

  • It’s clear that digital onboarding is now table stakes, but the journey doesn’t stop there. Organizations that neglect the experience of returning consumers will miss out on opportunities to provide a better, more seamless experience — necessary to keep good customers happy and maintain cross-sell and upsell opportunities. Our latest white paper explores how a digital-first onboarding strategy can have positive ramifications on the entirety of the customer journey.

  • White paper: The Power of Data-Driven Optimization
    Document Published Date: Dec 23, 2021

    Customer satisfaction has always been a priority — and it’s more critical today than ever before. As technology continues to transform how we do business; companies are leveraging automation to optimize the customer experience and reduce operational risk. Download our white paper to discover how you can streamline your capabilities.

  • White paper: Fintech Trends - Unsecured Personal Loans
    Document Published Date: Dec 17, 2021

    In this white paper, Experian data scientists and analysts take a deep look and analyze trends for one of the most popular lending products in the industry: the unsecured personal loan. Read insider expertise on the state of the digital lending environment in the U.S., understand consumers demographics of the typical digital borrower and stay ahead of constantly changing market conditions.

  • 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.

  • eBook: Future-proofing your rental portfolio
    Document Published Date: Jun 10, 2021

    The health crisis brought unprecedent challenges to the US rental industry and housing market. The pandemic exacerbated legacy business problems while at the same time creating new hurdles for consumers, landlords and property management companies alike. But by leveraging the latest data and tools available, rental professionals could absolutely see growth in their portfolios in 2021.

    In this eBook you’ll learn:
    • Top metrics driving the housing market in 2021
    • How to reduce risk and prevent fraud while improving the customer experience
    • Key strategies you can deploy today to mitigate risk and promote growth

  • White paper: COVID-19's impact on portfolio management
    Document Published Date: Apr 22, 2021

    In the K-shaped recovery since the COVID-19 recession, there are very different stories for consumers dependent on their trajectory. Some consumers are thriving while others need more support than ever – and both are in your portfolio today.

    Download our new white paper to learn how to forge ahead in the K-shaped recovery with critical strategies to help differentiate your service to customers depending on their unique needs.

  • eBook: To charter or not to charter
    Document Published Date: Mar 19, 2021

    Fintechs have and are disrupting the business of banking. It no longer just revolves around taking deposits, making loans and facilitating payments. While some fintechs are specializing in just one aspect, many continue to expand their service offerings, constantly asking the question, “what other customer experience can we revolutionize?” If this sounds like your fintech, you must first ask yourself, do we need to operate like a bank in order to meet our goals?

    Learn how regulatory decisions may impact fintechs in 2021, the pros and cons of bank-fintech partnerships and the different types of bank charters and their advantages in this eBook.

  • 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.

  • The fintech industry is maturing and is itself entering into a rapid period of change, an evolution that was accelerated by the global financial crisis brought on by COVID-19. While the pandemic has created uncertainty, and for some an inability to conduct or generate business, a silver lining of COVID-19 might just be that it’s driving digital innovation across industries.

    Learn more about the transformation of lending trends post-pandemic in this white paper.

  • White paper: Digitization trends - 2021 insights
    Document Published Date: Feb 18, 2021

    For many companies, the greatest opportunities for growth lie in increased digitalization and new technology that enable organizations to accelerate their digital transformation.

    Download our new white paper to get a closer look at five ongoing technology trends that are likely to advance throughout the year.

  • eBook: Navigating uncertainty in the mortgage market
    Document Published Date: Feb 2, 2021

    As the global health crisis nears its one-year anniversary, it’s clear it has caused a paradigm shift in the way we work, live and think. The pandemic also encouraged an acceleration of innovation and transformation across the mortgage industry while mortgage lenders navigated through one of the most unique lending environments of our time.

    As we look ahead in 2021, it’s important to assess trends and strategies for mortgage transformation. Our complimentary eBook explores the answers to these questions:

    • What were the key trends that shaped mortgage in 2020?

    • What are the main hurdles lenders face in modernizing the mortgage process?

    • What should lenders focus on to accelerate their path towards the modern mortgage?

  • Access our latest white paper to discover current collections industry trends, outlook for 2021 and the benefits of leveraging data and analytics to make more profitable decisions and better serve consumers in times of extreme economic uncertainty.

  • Credit portfolio management after the COVID-19 recession
    Document Published Date: Jan 13, 2021

    Surviving and thriving in a post-pandemic world will require thoughtful portfolio management now, facilitated by updated scenarios, better data and prioritization by way of criteria attributes and risk scores.

  • White paper: Banking in the COVID-19 crisis
    Document Published Date: Dec 17, 2020

    The COVID-19 economic crisis has drawn comparisons to the Great Recession a decade ago. However, while there are similarities in terms of high levels of unemployment and significant declines of economic growth, there remain substantial differences. In this white paper, we explore how banks and households have weathered the pandemic and what to watch for in 2021.

  • Perspective paper: The power of data integrity and quality
    Document Published Date: Dec 10, 2020

    Mastering data quality are you ready for governance? Beyond data quality metrics, is your data credible? This is the next line of questioning that may come your way from regulators and other external parties charged with testing and sampling your data. We can help you stay ahead of potential upcoming regulations. To learn how we can help you take a proactive approach to data accuracy and dispute resolutions, complete the form to download our perspective paper.

  • Preventing synthetic identity fraud
    Document Published Date: Oct 8, 2020

    Preventing synthetic identity fraud requires more than standard fraud detection. In our newest perspective paper, we explore the dangers of synthetic fraud and how a multilayered strategy can help prevent it.

  • Accelerating recovery with digital transformation e-book
    Document Published Date: Sep 29, 2020

    For many organizations, navigating and recovering from these volatile times will remain top priorities as they begin strategizing for the future. The first step – digital transformation.

    Download our e-book to learn how your organization can use the power of data and automation to transform your business.

  • 2020 State of Alternative Credit Data white paper
    Document Published Date: Sep 17, 2020

    Explore the world of alternative credit data in our 2020 State of Alternative Credit Data white paper. Discover the latest consumer and lending insights, the regulatory landscape and how alternative credit data is being used across the lending marketplace to reduce financial volatility and mitigate risk.

  • 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.

  • Debt collections during COVID-19
    Document Published Date: Aug 28, 2020

    The COVID-19 pandemic has created unprecedented challenges for the collections industry, including new regulatory rules, changing consumer demands and a potential uptick in activity as forbearances and deferments fall off. Will your current collections and recovery processes be enough to keep up?

  • Credit strategy is a key technique used by leading organization to distinguish themselves in today’s competitive landscape. When it comes to credit risk, it’s no longer enough to be a gatekeeper. You need to be a strategic advocate.

    As the speed of change increases, organizations need tools, techniques and new approaches to help them manage customer decisions. Download our white paper to learn how to make enhanced customer decisions that support your strategic goals, so you can achieve and sustain significant growth and profitability.

  • 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.

  • The future of banking and credit cards
    Document Published Date: Jan 9, 2020

    Rising customer expectations, advancements in AI and machine learning and generational shifts are paving the way for banks and credit companies to see a complete transformation. But what does this transformation look like?

    Download our eBook and get Experian’s perspective on the future of banking and credit cards.

  • Preparing for CECL and beyond
    Document Published Date: Oct 28, 2019

    It’s time to close the CECL readiness gap. Current expected credit loss, or CECL, will effect the biggest change in accounting standards in a generation. Lenders must be able to show that, in the event of a financial crisis, their books will prove to be in good shape.

    This white paper will help during your CECL implementation project and beyond.

  • Collections After Compliance
    Document Published Date: Aug 1, 2019

    The collections industry has undergone major transformations over the past decade.

    In 2010, Congress passed the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank), producing the most reform to financial regulation since the Great Depression and authorizing the creation of the Consumer Financial Protection Bureau (CFPB), a regulatory agency charged with overseeing financial products and services offered to consumers.

    The collections landscape has since continued to evolve, with consumers beginning to make a dramatic shift in how they interact with their financial service providers, moving away from phone and mail, and communicating online instead. Debt collection departments and agencies, large and small, have adopted new technologies to ensure that they comply with consumer demands and changing regulations. But challenges remain in the fast-moving regulatory landscape.

  • 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.

  • 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.

  • 2019 Alternative Financial Services Lending Trends
    Document Published Date: Jul 18, 2019

    Clarity Services, a part of Experian, provides valuable alternative credit data to alternative financial service providers. Clarity’s alternative data gives lenders a more complete picture of nonprime applicants, so they can make better and more informed decisions.

    We analyzed the trends and financial behavior of nonprime consumers by looking at application and loan data in Clarity’s specialty credit bureau from 2014 through 2018. A study sample of more than 350 million consumer loan applications and more than 25 million loans was created and leveraged to evaluate market trends during this period. Data from Experian’s national credit bureau was also used to help profile consumers.

    Download our latest white paper to learn more.

  • Empowered consumers know that their credit health is more than just a score. Providing access to a consumer's credit score is a great first step. But an even greater opportunity for consumer engagement lies in the ability to provide access to the core factors affecting their credit. Help them learn what that score means with credible, detailed, rich educational content to help them make better financial decisions.

  • A single point in time or “snapshot,” of a consumer’s risk profile is insufficient to make credit decisions. “Trended” consumer views provide the information required to redefine static lending approaches and create a breakthrough strategy that will deliver profit. By leveraging trended data, lenders can quantify and characterize consumer behavior, which provides robust views of the consumer that can drive new and innovative strategies.

    Download the perspective to learn more.

  • Mobile banking: Enhancing your customer experience
    Document Published Date: Jul 2, 2019

    There is growing digital demand for today’s tech-savvy consumers. More consumers, particularly millennials, own smartphones than ever before and they’re actively using them to access mobile banking apps and services. To stay ahead, banks need to meet basic expectations and start using the unique features of the mobile platform to acquire new customers and deepen wallet share.

    Download the perspective to learn more.

  • Reasonable effort should be made to report consumer credit data. The data ecosystem depends on this free flow of information, but ultimately, the consumers depend on the data furnishers and NCRAs to appropriately record and maintain their complete credit performance. With an expert team and a data accuracy rate of 99.9%. Experian is a credible and quality data source.

    Download the perspective to learn more.

  • Battling for balances: An Experian Perspective
    Document Published Date: Jul 2, 2019

    Lenders need to target and retain the most lucrative consumers to expand their portfolios. Balance transfers represent a critically important revenue lever in the market. By understanding the drivers behind transfers and improving response rates through propensity modeling, you can develop a strategy to target and retain optimal balance-transfer candidates – those who will deliver returns with minimal risk.

    Download the perspective paper 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.

  • You make thousands of important decisions — across lines of business, the Customer Life Cycle and channels — every day. A decisioning ecosystem can help you make faster, better, more consistent decisions, and improve your business performance. Read our perspective paper to find out how.

  • Powering digital transformation e-book
    Document Published Date: Mar 8, 2019

    Download this e-book to learn more about transforming the customer experience with data, analytics, and automation.

  • We are in an age of unprecedented opportunity, where ubiquitous data and new technologies are shaping the world and dramatically changing the way consumers interact with businesses like yours. To succeed you need a comprehensive, unified view into your customers and their needs.

    As a business leader, what can you do to attract and acquire new customers? What tools do you need to quickly act on insights and to make relevant decisions consistently to set yourself apart from the competition?

    To answer these questions and better understand how businesses are tackling the challenges and opportunities surrounding digital transformation, we commissioned Forrester Consulting to survey over 900 senior executives with responsibility for enterprise risk, analytics, customer data, and fraud management across North America, Asia-Pacific, Europe, Middle East, and Africa.

    Download the whitepaper 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.

  • Drivers of identity risk fraud
    Document Published Date: Jan 22, 2019

    Download this e-book to learn more about the trends impacting account takeover fraud. We'll cover what worked yesterday and why it won't work tomorrow, an identity-centric approach, and what to expect in the future.

  • 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.

  • 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.

  • 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.

  • Address verification - Product sheet
    Document Published Date: Oct 5, 2018

    Improve your customer experience with accurate address information. Read our product sheet to understand how our address verification software can benefit your organization and initiatives.

  • Student loan debt has been increasing year-over-year since the 1990s. Experian Commercial Data Sciences is monitoring the effect student loans have on small-business creation and survival. This paper examines whether or not student debt is hampering the ability to open new businesses and keep them open

  • Millennial-owned businesses: a fast-growing segment
    Document Published Date: Mar 20, 2018

    Millennials are projected to be the largest generation by the year 2050, according to Pew Research Center. With this projected population growth in mind, Experian wanted to take a closer look at how this generation would affect business by analyzing the trends and behaviors of millennial business owners.


    • Year over year business growth trends
    • Industry sectors with high concentration of millennials
    • Delinquency trends
    • Business survival rate by generation
  • Price optimization in retail consumer lending
    Document Published Date: Jan 7, 2018

    This white paper evaluates how price optimization not only delivers improved profitability, but also provides the business with a better understanding of the overall business performance. For many organizations, the real benefits are gained through improved operational and financial management and the ability to respond to changing economic and competitive environments more dynamically.

  • In response to increasing interest in the mining industry, Experian® completed a review of the coal, natural gas and oil/petroleum industries, along with their impact on small businesses. Depending on the region of the United States, fossil fuel mining is both increasing and decreasing. With the current changes in these industries, the impact on other industries ranges from an increase in new small businesses to an increase in delinquencies. To understand the nuances of the fossil fuel industry, Experian® conducted a further study on Kentucky, West Virginia and North Dakota was done to analyze the impact that industry changes have on the economy of individual states.

  • Make every contact count for you and your customers
    Document Published Date: Dec 15, 2017

    Enriching the customer data and applying analytics techniques to define the relevance of each possible communication to each customer allows the organization to schedule the most relevant communications to the entire customer base. Read more for an understanding how better engagement between the organization and customers can lead to stronger business performance.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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!

  • 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.

  • 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.

  • Analyze, improve, and control your data with Experian Pandora—a powerful data profiling, integration, and discovery
    solution that helps you discover relationships between siloed data, as well as create business-specific data quality rules and dashboards. With its automated alerts, audit trails, and data policy enforcement, our data management tool gives you the means to manage and monitor your data quality around the clock.
    Experian Pandora is an on-premise solution that proactively profiles data, giving you unprecedented insight into all
    of your business’s information. Our data management solution is the go-to solution for data migration, data integration, and overall data management projects.

  • Taking the pain out of data migrations and ETL projects
    Document Published Date: Sep 18, 2017

    Data is at the heart of every organization. And data migration and ETL projects are important undertakings for many businesses as they underpin the success of many strategic initiatives.
    Yet, despite the importance of data, half of these data migration initiatives fail to meet their objectives, with many of those
    being abandoned after their budgets run out. Learn more from our white paper to see what you can do to make sure data migrations and ETL projects run smoothly and painlessly.

  • 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 adhere to Metro 2® reporting requirements, 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.

  • The key to unlocking multichannel success
    Document Published Date: Aug 22, 2017

    The customer’s path to purchase will continue to grow in complexity; cross-, multi-, and omni-channel shopping is here to stay. People today use multiple devices for researching, purchasing, and returning products, and because they engage with businesses in a non-linear manner, they also expect their experiences to be consistent, no matter the channel.

    This white paper will detail how to manage data quality when dealing in multichannel environments, and how we can help you make a great multichannel experience a reality.

  • The key to unlocking multichannel success
    Document Published Date: Aug 22, 2017

    The customer’s path to purchase will continue to grow in complexity; cross-, multi-, and omni-channel shopping is here to stay. People today use multiple devices for researching, purchasing, and returning products, and because they engage with businesses in a non-linear manner, they also expect their experiences to be consistent, no matter the channel.

    This white paper will detail how to manage data quality when dealing in multichannel environments, and how we can help you make a great multichannel experience a reality.

  • How to compete and win against Amazon
    Document Published Date: Aug 18, 2017

    Amazon has changed the face of retail as we know it. How is your organization keeping up? This white paper provides insights on how you can compete—and win—against Amazon.

  • 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.

  • As people age, so do their needs. The same is true for businesses, especially in terms of how they handle credit. A startup company with few customers is likely to need more commercial loans than an established business with a strong customer base and predictable cash flow. On the other hand, a mature company is likely to have many open tradelines with the suppliers with which it has built long-term relationships.

    But there are some notable exceptions to this pattern, as we discovered when analyzing the behaviors of commercial customers throughout their life cycles. This whitepaper examines those trends based on 1 million active business credit profiles between 2010 and 2016.

  • 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.

  • FAQ: Revolutionizing Lending in Today's Digital World
    Document Published Date: Mar 31, 2017

    In our webinar, Revolutionizing Lending in Today's Digital World, industry experts teach lenders how to bring financial data aggregation into the mainstream. In this FAQ we're diving deeper into the most common questions we’ve received. From how the solutions work, to providing further insight into the data and coverage to security, learn more about how our digital verification solutions enhance the lending experience.

  • 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.

  • 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.

  • 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.

  • A better way to evaluate small business credit risk
    Document Published Date: Sep 29, 2016

    If a new company has not yet established a credit history, many lenders turn to the business owner’s personal credit to evaluate risk. But does personal credit alone paint an accurate picture of a new business’s risk? Is there a more optimal way to determine how creditworthy a young company may be?

    To find answers, Experian® randomly selected the credit files of 2.5 million U.S. small-business owners and compared them with the records of 1 million consumers. We then looked at the credit history of both groups, as well as key demographic data such as age, education and income. We also reviewed the number of open trades, delinquencies, bankruptcies and business survival rates. The results of this research are explained in this whitepaper.

  • 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.

  • 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.

  • 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.

  • To promote transparency and aid in model governance, VantageScore Solutions publishes validations results annually, along with updated odds/performance charts. This paper highlights the most recent validation results and also presents insights gleaned from a decade of credit score model performance validations.

  • 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.

  • The Email+ Playbook
    Document Published Date: May 13, 2016

    Email, while a tried-and-true marketing method, isn’t a complete marketing strategy. In this ultimate playbook, you’ll discover new ways to integrate mobile, social, display and TV advertising into your current email program.

    Download the eBook now to learn:

    • Why starting with email will set you up for a growing cross-channel strategy
    • Proven strategies for integrating your email program with mobile, social, display and TV
    • Requirements for building an integrated strategy
  • SCRA Summary and Solutions
    Document Published Date: May 1, 2016

    Learn how Servicemembers Civil Relief Act (SCRA) protects servicemembers and the compliance solutions available to lenders.

  • Must Know Details About the Military Lending Act
    Document Published Date: May 1, 2016

    Are you aware of the latest enhancements to the Military Lending Act? The Department of Defense passed a Final Rule in July 2015, and all lenders must get compliant by October 2016. Read our free paper on the actions you must take to get compliant and avoid costly fines.

  • As a group, minority-owned businesses receive far fewer commercial loans and have significantly fewer trade accounts than the general small-business population. At the same time, minority-owned businesses have average business credit scores that should qualify them as viable prospective borrowers. This whitepaper highlights key findings from a recent analysis of minority-owned business data. They include a review of the study, the major insights revealed, and suggestions for how a change in common business practices can deliver “win-win” outcomes for minority businesses and the lenders that extend them credit.

  • 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.

  • 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.

  • 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.

  • 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.

  • Calling your consumers - even once - means you must also adhere to the regulations established by the Telephone Consumer Protection Act (TCPA). Failure to follow the rules can result in per instance fines as high as $1,500. Our two-page paper outlines the details you must know about TCPA, as well as strategies to set up a compliance process and manage accounts.

  • The Federal Communications Commission (FCC) recently provided additional clarity around the regulations you need to follow to stay compliant with the Telephone Consumer Protection Act (TCPA). Download our checklist to see how your business measures up and identify gaps in your right-party contact call strategy.

  • While most in the political arena believe Independents and Republicans share many of the same political views, small-business owners who identify as one of the two major political parties also share similarities outside of politics. Business owners who identify as Independents relate more closely to Republicans than to Democrats in a number of areas, including average personal income, education level and credit usage.

    The similarities between Independent and Republican small-business owners are a few of the key findings included in a recent Experian analysis examining the characteristics of small-business owners based on political affiliation. In this whitepaper, we go in depth on these findings.

  • 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,

  • Virtually unheard of just 10 years ago, Web-based companies that offer funding options beyond traditional bank loans have grown considerably. Small businesses — drawn by the easy application process and flexible repayment terms — have become increasingly comfortable working with online lenders, which offer rapid access to capital, a wide array of niche products and a low-friction customer experience. In this article we discuss emerging trends in online marketplace lending we can expect to see over the next several years. You can also find the article on our blog.

  • When it comes to matching small-business borrowers to the most appropriate lenders, a new breed of marketplace matchmaker or loan aggregator is finding success bringing the two parties together. Aggregators compare the needs and qualifications of borrowers with lenders in their network matching their target criteria. Think of it as speed dating for business financing. This article explores the various go-to-market strategies and tactics employed by loan aggregators. You can also find our blog post for more details here.

  • 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.

  • Reducing risk through blended credit profiles
    Document Published Date: Oct 20, 2015

    When attempting to determine a small business's credit risk, which is more useful, the company's credit history or its owner's? For decades, conventional wisdom has held that a business owner's personal credit history alone can be used to judge his or her company's creditworthiness. Many lenders have tended to see small businesses and small-business owners as one and the same, their funds so frequently commingled as to make the two entities virtually indistinguishable. However, this strategy is not always successful. A business owner with good personal credit still can have a failing company, and someone whose personal credit is messy still can own a successful business. Since a bad call can cost a creditor thousands, perhaps tens of thousands, of dollars, Experian® decided to test the conventional wisdom for itself.

  • As an industry, marketplace lending has enjoyed considerable success over the past five years. In some entrepreneurial circles, names such as Lending Club, Fundera, Creditera and Funding Circle are as well-known as Citibank, Bank of America and Wells Fargo. Many full-service banks see these newer online platforms as opportunities to increase their own efficiencies as well as a way to capture future long-term customers. In this article we explore how financial institutions are aligning with online marketplace lenders. This article is also published on our blog.

  • The evolution of commercial lending over the past seven years has certainly had its share of ups and downs. Remember the ominous days leading up to the financial crisis when it seemed like everything was teetering on collapse? During that uncertain time, commercial lenders took a lot of criticism from several directions. On top of those worries, a new channel emerged, online marketplace lending. In this article, Charles H. Green from Advice On Loan shares his perspectives about how financial institutions can play to their strength, and play to win with online marketplace lenders. You can also read this article on our blog.

  • Online lenders represent a valuable resource for small businesses in need of working capital. Also known as "alternative" lenders, they are particularly useful to new businesses lacking the long, detailed credit history that banks and traditional lenders usually require to underwrite a commercial loan. In this article we explore the various new data sources being used by online lenders to make lending decisions. You can also read this article on our blog.

  • The Responsible Business Lending Coalition, a group of non-bank small-business lenders announced a self-regulatory program that is designed to bring greater clarity and consistency to its industry's pricing and consumer protections. In this paper we talk about self-regulation in the online marketplace lending sector and what the Small Business Borrower's Bill of Rights is all about. You can also read this article on our blog.

  • Just how alternative are today's online marketplace lenders?
    Document Published Date: Sep 14, 2015

    Online marketplace lenders, have caused quite a stir over the past couple of years by offering alternative financing products to serve consumers and businesses. But what's so radically different about what they do, other than using a Website rather than a drive-up branch to initiate a financial relationship? This article explores what sets online marketplace lenders from traditional financial institutions. You can also read this article on our blog.

  • 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.
  • Over the past two to three years, online marketplace lending (OML) — also called alternative lending — has made dramatic changes in the landscape of small business lending. In this paper, the first in a series of eight articles, Experian experts discuss this exploding fin-tech-driven market from several angles. You can also read our blog post - How online marketplace lenders are changing the rules of small-business finance.

  • Whitepaper: Data Study on U.S. Small Business Startups
    Document Published Date: Jul 15, 2015
    It's no secret that starting a new business is a risky proposition, but so is providing the funding start-ups need to open their doors, gain traction and begin to grow. In a study of business starts between 2010 and 2014 Experian reveals that not only are start-ups not as risky as conventional wisdom might suggest, but funding a new business early offers a careful lender unique benefits.
  • Experian's Income Insight helps you give line increases to consumers who have the greatest ability to pay.

  • 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.


    To find the latest version of this perspective paper, please click this link: Perspective paper: The power of data integrity and quality.

  • 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.

  • Conquering Big Data Challenges
    Document Published Date: Jan 1, 2015

    Financial institutions have invested in Big Data for many years, and new advances in technology infrastructure have opened the door for leveraging data in ways that can make an even greater impact upon your business.

    Big Data is not just about increased data and storage. It is about finding opportunity in your existing data sources and scaling for the future.

  • Consumers can often be excluded from building or establishing their credit based on traditional payment data history. As the credit industry continues to evolve, financial institutions seek methods to help their customers gain access into the financial mainstream. Learn more about how alternative payment data, such as positive energy-utility reporting can help your customers gain access to the financial services they need.

  • 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.

  • 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.
  • 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.
  • 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.
  • Data Breach Response: Lessons from the Trenches
    Document Published Date: May 2, 2014
    As the era of big data continues to march forward, so does the number of data breaches. Organizations seem to become more vulnerable every day with breaches rising at an alarming rate. In fact, studies indicate that companies are attacked an average of thousands of times per year, and many of those attacks result in a quantifiable data breach. With this reality facing us, many security experts are convinced that data breaches are inevitable. So if that is the case, what can your organization do to minimize the damage? Six important lessons that we¿ve learned from the field are revealed inside of this e-book.
  • 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.
  • Trended Solutions: Fueling Profitable Growth
    Document Published Date: Jan 9, 2014

    This white paper demonstrates that a different way of understanding consumer behavior is the key to creating the necessary strategies to create a profitable portfolio. It will show that considering only a current view of consumer credit does not provide the necessary and precise knowledge about how to market to or underwrite that consumer. You will discover that a "trended" view of the consumer will provide the information required to redefine static lending approaches and to create the breakthrough strategy that will deliver profit.

  • Raising the Bar on Data Integrity
    Document Published Date: Nov 1, 2013

    The US is the leading provider of affordable, fair, wider and more portable access to credit. But the American consumer has little appetite for mistakes when it comes to the accuracy of credit data. We believe that the next generation of lenders will compete on dispute response rates and accuracy of reporting. Download this complementary paper for a fresh perspective on how to take a proactive approach to: -Providing customers with an optimal experience -Correcting inaccurate data -Preparing for regulatory review -Understanding reporting practices as benchmarked to peers

  • The Rekindling Success white paper uncovers your portfolio's hidden potential using advanced triggers to prevent risk

  • 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.
  • Bureau-Backed Identity Protection & Credit Monitoring
    Document Published Date: Jul 30, 2013
    When Everything Is On the Line, You Need Everything Experian Offers for Data Breach Response: Only one data breach resolution company has the distinction of being part of the world's largest credit bureau. That's Experian® Data Breach Resolution, steeped in a history of swift incident response and consumer fraud protection.
  • 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.
  • 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.
  • 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.
  • Streamlining Eligibility Verification
    Document Published Date: Apr 15, 2013

    As the need for help -- and the equal need to reduce spending -- increases, public assistance programs are under tremendous pressure to maximize their limited resources in order to provide more services with shrinking budgets. Key to this effort is the importance of ferreting out fraud, waste and abuse, and eliminating inefficiencies, while ensuring that these services are provided to those individuals that qualify to receive them.

  • Issue Brief: Beyond Traditional Eligibility Verification
    Document Published Date: Dec 6, 2012

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

  • 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.
  • Learn best practices for maximizing collections in the Public Sector. Experian, in cooperation with Governing Magazine, recently completed a nationwide survey of governmental agencies. The survey sought to determine the types of collection efforts in which governments engage and looked at areas where those entities face challenges to better collect. Experian's collection professionals then compared the government activities with commercial best practices to identify those processes underutilized in the public sector. This white paper presents those practices.

  • 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.

  • 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.
  • As the economy gains strength, lenders are engaging in an increasingly fierce competition to entice the best candidates to their portfolios and to grow their lending business.

  • 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.

  • Loan delinquency rates are one of the most important statistics to track in the automotive finance industry. If consumers are not repaying loans on time, it puts billions of dollars at risk. When high dollar volumes are at risk, it is a negative for everyone in the lending world, including consumers, automotive retailers and lenders themselves.

  • 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.

  • 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.
  • 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.

  • 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.
  • Expand Your Marketable Universe
    Document Published Date: Feb 27, 2012

    Credit marketing experts who evaluate the right data assets to supplement targeting efforts will emerge quickly over the next 18 months as leaders in portfolio growth. The key is getting the right product to the right consumer at the most appropriate time.

  • 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.
  • 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.
  • 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..

  • The Impact of Vehicle Title Brands on Loan Performance
    Document Published Date: Apr 29, 2011

    Significantly higher percentages of title-branded vehicles are financed at Buy Here Pay Here lots, and sold to credit challenged customers. Leveraging the information within vehicle history reports, lenders can identify title-branded vehicles when the loan is made, and mitigate losses.

  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • An in-depth look at small-business performance in challenging market conditions.
  • 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.

  • 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.

  • 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.
  • Explains the contributing and weighting factors that determine a vehicle's AutoCheck Score and what dealers, lenders, consumers and other users can expect to gain.