Infographic
Published December 16, 2024
Advanced Analytics & Modeling
Financial institutions need to understand how well a score predicts behavior, such as payment delinquency or bankruptcy, to make more confident lending decisions. By conducting score validations regularly, organizations can ensure they're using the latest data to optimize their lending strategies.
The results of these score validations can be affected by:
- A dynamic economic environment
- Changes in regulation
- Scorecard degradation
Download this infographic to learn more about the importance of regular score validations and how it can have a significant impact on your business.
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Infographic
Credit decisioning journey
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
- Model deployment
- Decisioning
- Fraud analysis
Discover how your organization can take your credit decisioning journey to the next level with the Experian Ascend Platform™.
White Paper
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.
Webinar
Innovation for Changing Market Dynamics Webinar
Join our speakers Ankit Sinha and Erin Haselkorn to discover how Experian’s AI solutions help financial institutions accelerate the modeling lifecycle, integrate efficient feature deployment, and achieve regulatory compliance.
Learn from our experts about:
- New automation in model building and deployment
- Model governance and compliance
- Innovative ways to leverage data throughout the customer lifecycle
Webinar
Exposed: Identity Risk, the Dark Web and the Score that Changes the Game
Join Experian’s Dark Web Intelligence Team to explore how to score consumers’ identity health and the benefits for both businesses and consumers.
We'll break down:
- The accelerating risk of identity exposure on the dark web and what it means for your organization and your customers
- Case studies of fraud events detected through dark web alerts
- How Experian's Identity Health Score translates signal data into action, helping you identify at-risk consumers, upsell safely, inform cyber insurance strategies, and protect employees