Unlocking member insights with alternative data

Uncover a coordinated account takeover fraud ring in action and learn how it was stopped using behavioral, device and network intelligence.

Key insights:

• Fraud rings operate with structured roles to efficiently execute account takeover attacks
• Compromised accounts can be connected across devices, revealing coordinated activity
• Behavioral, device and network intelligence expose fraud signals traditional tools miss
• Stopping ATO requires identifying and dismantling the full fraud ring, not just individual logins

Education Credit Union modernized underwriting with Experian’s Advanced Decisioning—driving faster decisions, stronger approvals, and rapid ROI in a competitive market.

• 5-month payback period
  
• 4.4% lift in performance & funding
  
• $4M+ incremental originations

Your most valuable customers don’t announce their departure. By the time balances decline or activity slows, competitors have already captured share of wallet.

Download our strategic snapshot to learn how your institution can identify behavioral shifts early, respond confidently and accelerate high-value customers forward.

Did you know?

• Customers typically hold less than 50% of their deposits or loans with a single institution.
• Selling to an existing customer can be up to 10x more successful than acquiring a new one.
• A 5% increase in customer retention can boost profits by 25% to 95%.

Bayesian Optimization offers a more efficient way to tune machine learning models at scale. This white paper presents a controlled comparison with Grid Search using production credit-risk data to measure runtime and model performance.

• Up to 80× faster hyperparameter tuning
• No loss in CV or holdout AUC
• Evidence from LightGBM credit-risk models
• Guidance for governed ML environments