eBook
Published May 5, 2025
Credit Decisioning Customer Management
Managing credit limits effectively can help financial institutions maintain a healthy, profitable credit card portfolio. Proactively increasing credit limits can enhance your ability to provide excellent customer satisfaction and drive higher revenue.
Lenders can strategically implement proactive credit limit increases to:
- Increase interchange income
- Generate additional interest income
- Enhance wallet share
- Reduce customer attrition
- Improve customer experience
Proactive credit limit increases give customers access to more credit, which can positively impact their financial health and help you drive business growth.
Complete the form to access the eBook
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Thank you for your interest
Your free Experian resource is now available. Enjoy!
White Paper
Credit Risk Management with GenAI
Generative AI is a powerful force that’s driving higher efficiency and productivity in credit risk management for financial institutions. Read our latest white paper to discover how lenders can improve the credit risk management process to:
- Streamline operating expenses
- Enhance compliance
- Increase lending volume
- Reduce credit and fraud losses
Video
Experian Credit Decisioning Journey
A strong credit risk decisioning strategy is crucial for any financial institution looking to stand out from the competition, book more high performing loans, and drive revenue. Lenders can achieve this by implementing next-gen AI technology to:
- Build and deploy models faster
- Optimize lending criteria
- Reduce fraud risk
Watch this video to learn how you can level up your credit decisioning journey across the customer lifecycle with the Experian Ascend Platform.
Video
Experian Assistant: GenAI-Powered Virtual Assistant
GenAI is transforming the financial services industry by drastically improving productivity and efficiency. Experian Assistant, our award-winning GenAI solution, can help lending institutions:
- Automate complex tasks
- Provide real-time coding support
- Minimize compute power
- Speed up the modeling lifecycle
Watch this video to discover how Experian Assistant can help your business unlock the full power of your data with less friction and faster results.
Case Study
Leveraging cash flow data across diverse borrowers
Our use cases share real-world examples of how cash flow insights help grow portfolios responsibly while expanding credit access. Explore scenarios across borrower types, including:
- Gig workers and freelancers with fluctuating income
- Small business owners with nontraditional cash flow patterns
- Thin-file and new-to-credit consumers lacking traditional credit history
- Subprime borrowers demonstrating positive financial behavior