Wirecard, one of the leading international providers of electronic payment and risk management solutions, and Experian, the global information services company, today announced a strategic alliance to create a unique product to provide risk management support to the rapidly growing European Internet payment market. The new product, hosted by Wirecard, gives clients access to sophisticated analytics, modelling and simulation technology at the point at which they make decisions on their customers.

Fully integrated into Wirecard’s payment platform, the new service will help clients to increase the speed and quality of their decision-making during order acceptance and reduce their exposure to Internet fraud.

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Vodacom South Africa has chosen the Tallyman debt management and collection system from Experian®, the global information services company, to manage customers in arrears. Vodacom’s use of Experian’s debt management and collection system will enable it to minimise provisioning and bad-debt write offs.

Initially Tallyman will be used to manage both high-usage accounts with large bills and those customers already in arrears.

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International Personal Finance (‘IPF’) has selected Experian®, the global information services company, to improve the financial performance of its customer relationships. Experian’s Probe SM and consultancy services will help IPF to enhance the company’s customer service and improve its overall profitability with the intention of increasing sales and reducing impairment charges.

The Probe SM system from Experian makes full use of customer data held by IPF in different account management systems to create an insight into each customer’s behaviours and motivations, and enable it to completely understand each and every individual’s needs. This thorough understanding of customers will be used to set consistent and relevant customer management strategies.

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Experian®, the global information services company, today announced that it is to provide De Lage Landen International, a global provider of high quality asset-based financing products and part of Rabobank Netherlands, with its New Business Strategy Management decisioning technology. The tool will enable the company to accurately assess the risk of applicants and make fast decisions while identifying opportunities to expand relationships with customers in the business-to-business market.

To ensure accurate decisioning, Experian’s technology combines application data with information from internal and external sources to gain a complete picture of each applicant’s credit worthiness.

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Experian®, the global information services company, has appointed Jacques Behr as Market Head of France, Belgium and North Africa for its Decision Analytics’ division. Jacques will be responsible for managing the two French teams, Experian Decision Analytics and Prologia, as well as managing the development of the organisation in the French speaking countries. Since 2005, Jacques was Member of the Board of Experian SAS France.

In his most recent role he was Director of Development, responsible for introducing new lines of business by acquisitions, strategic partnerships and launching of new solutions. Prior to joining Experian, Jacques founded Hudson Bay Consulting/ SIM@BAY, a smartcard company, which was sold to GFI (a major European IT services company).

Read Press release in other languages: French

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Experian®, the global information services company, announced today that it has opened a new international operations centre in Sofia, Bulgaria. Over 100 highly skilled local IT professionals will be based at the new office, working for Experian’s international Decision Analytics and Bulgarian credit bureau businesses.

The Sofia operations centre will provide the two Experian businesses with product, software and services development for domestic and international markets. Experian, which opened its first office in Bulgaria in 2004, expects to employ over 120 people in Bulgaria by the end of 2008.

Read Press release in other languages: Bulgarian

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Experian®, the global information services company, has announced that it has been cited as a strong performer in the Specialized Business Rules Platforms category in the April 2008 report, “Forrester Wave: Business Rules Platforms, Q2 2008”.

The Forrester Wave report used a comprehensive set of 175 criteria to evaluate platforms from 11 vendors. In this evaluation, Experian’s top scores were for scalability, business analyst rules authoring tools, business rules life-cycle management, and deployment.

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Experian®, the global information services company, has appointed Gary Wood as Managing Director of its Decision Analytics division in the UK and Ireland.

Gary joined Experian in 2002 and most recently led Decision Analytics Fraud & Identity Solutions Business. Prior to joining Experian, Gary was Managing Director of ABM Ltd, a company specialising in criminal justice IT products and services.

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Experian®, the global information services company, has signed an agreement to supply Quest Risk Solutions, a subsidiary of Quest Holdings International Ltd, with its proprietary software to establish a credit reference database and bureau service in Kenya.

Quest Risk Solutions, as one of the first private credit bureaux in Kenya, will provide valuable decision-making tools to any company or financial institution extending consumer and SME credit in Kenya

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Experian®, the global information services company, has been selected by Credit Chex, a joint venture between Jahangir Siddiqui Group & DCD Group, to develop credit bureau scores for the expanding Pakistani consumer credit industry. This new service will give Pakistani credit grantors access to the Credit Chex Bureau Score, developed under licence from Experian, to enable them to make faster, better and more consistent credit decisions for new and existing customers.

Pakistani banks, finance houses, credit card issuers, and other companies deemed appropriate by the Pakistani Banking Regulation and Supervision Agency will all benefit from the new service.

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New Business SM, Collect SM and Hunter from Experian reduce operational costs, facilitate decision making and improve the bank’s credit portfolio.

Moscow, February 12, 2008 - Bank VTB 24, part of VTB Group, one of the fastest growing Russian credit institutions serving individuals, entrepreneurs and small businesses, has reported a substantial increase in efficiency across its operations following the introduction of a series of products from Experian®, including New Business SM, Collect SM and Hunter.

Read Press release in other languages: Russian

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Novabase, the Portuguese leader in business solutions with Information Technologies, has established an agreement with Experian®, the global information services company, to provide Portuguese organisations with analytic solutions for the credit risk management and to maximize the results of its commercial and financial decisions.

The agreement is established with Experian’s Decision Analytics division, which, specialises in providing credit risk and fraud management consulting services and products, and comprises the availability of analytic solutions for different industries such as Financial, Telecom and Utilities. Experian’s solutions enable organisations to improve risk management decisions on customers as they apply for new accounts, manage all consumer or business data available and detect fraud. The process is completed with a comprehensive collections solution, deployed throughout the entire collections procedure, from pre-delinquency to late collections and write-off.

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Experian®, the global information services company, will take part in MEFTEC to present its credit decisions and Credit Bureau offerings to the Middle East marketplace. Experian’s solutions enable organisations to improve risk management decisions about customers as they apply for new accounts, manage all consumer or business data available and detect fraud.

The process is completed with a comprehensive collections tool, deployed throughout the entire collections procedure, from pre-delinquency to late collections and write-off. Experian is also one of the world’s largest and most successful providers of credit bureau services and solutions, operating credit bureaux in 15 international markets, including highly developed areas such as UK and USA and others. Altogether, it maintains connectivity with more than 70 credit bureaux around the world, adding intelligence to that data.

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Experian®, the global information services company, launches Strategy Tree Optimisation, a packaged software application, supported by expert consulting and analytics, that enables organisations to design and implement optimised strategy trees that maximise an overall objective while considering policies, operational constraints and regulatory requirements.

Experian’s Strategy Tree Optimisation uses a mathematical process to assess the impact upon the business goal for all customers, for all eligible decision options while ensures all constraints are satisfied. Moreover, the interactive ’what-if‘ simulation improves business planning and forecasting by determining the most profitable decision strategies.

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Bristol Wessex Billing Services Limited (BWBSL), which manages the billing for Bristol Water and Wessex Water, has chosen the Tallyman debt management and collection system from Experian®, the global information services company, to manage customers behind on their water bills.

Tallyman will be used to manage all collections activities for residential and business customers of Bristol Water and Wessex Water. This includes both unmeasured and measured customers. The use of Tallyman will significantly improve the bottom line of BWBSL by collecting revenue that would otherwise have been written off and by reducing the cost of collecting debts.

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Bank Zachodni WBK SA, one of the biggest banks in Poland, formed from the merger between Bank Zachodni and Wielkopolski Bank Kredytowy in 2001, has announced its purchase of the fraud detection system from Experian®, the global information services company, for its Polish operations. The Hunter solution is a web-based service to identify potentially fraudulent new subscriptions, which will enable the bank to detect and prevent fraud at the point of application, creating another barrier to prevent fraud.

The automated Hunter solution is implemented in the online environment, is fully integrated and operates in real-time alongside the application processing solution. It works by checking for inconsistencies in each application and comparing the data against the integrated information store of previous applications. This ensures that Bank Zachodni WBK can match the application against previously verified applications and identify where an alias, false details or impersonation is being attempted.

Read Press release in other languages: Polish

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Teleleasing, part of Gruppo Bancario Mediobanca, has announced that it is to implement a fully managed application evaluation service from Experian, the global information services company. The web-based Febo4Leasing from Experian will enable Teleleasing to accurately assess the risk of applicants in the leasing market and make fast, consistent decisions about their potential value as customers.

Teleleasing will be able to deliver risk-based, customer-focused decisions by accessing both internal and external data sources to enrich new applicant data as the solution provides connectivity to external databases including SIC Experian, BDCR Assilea and Balance Sheet Data.

Read Press release in other languages: Italian

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Best practice collections management techniques and technologies introduced by UkrBorg and Experian Decision Analytics in Ukraine Experian®, the global information services company, announced that UkrBorg, one of the most dynamically growing collections firm in Ukraine, has selected Collect SM system to improve the agency’s performance for better serving its multiple clients across the financial sector of the country.

Implementing this product developed by Experian’s Decision Analytics division along with adopting best practice of collections management will enable UkrBorg to make its collections process more strategically effective, operationally efficient and customer focused within the lending market in Ukraine.

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Experian Decision Analytics, part of Experian®, has signed a global agreement with, to implement its suite of core solutions to manage the complete credit cycle in the European Operations of Clarima Banca, the Consumer Finance subsidiary of Unicredit Group Italy. Implementation of Experian Decision Analytics’ solutions will enable Clarima Banca to improve risk management decisions on customers as they apply for new accounts, manage all consumer and business data available with its reporting and monitoring capabilities, plus manage its collections strategy.

Read Press release in other languages: Italian

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Moscow, November 2007 - Experian Decision Analytics, part of Experian®, the global information services company, announces that Toyota Bank, which specializes in car loans and is owned by Toyota Motor, is to automate making credit decisions and carrying out applicant’s analysis with an Experian Decision Analytics’ AcquireSM solution and a car loan generic scorecard.

The decisioning systems will enable Toyota Bank to process applications in real time in order to quickly assess the risk level of applicants and provide customers with an immediate decision in an efficient and cost-effective way. The generic car loan scorecard will enable Toyota Bank to accurately assess the risk of car loan applicants and make quick decisions while identifying optimal customers.

Along with AcquireSM, this solution improves operational efficiency by enabling the automation of manual processes which results in a significant cost reduction. It improves decisioning quality through combining application data with comprehensive information from external and internal sources, thus providing a complete profile of every applicant. It also helps increase profitability by maximizing revenue, reducing referral rates and minimizing risk.

Read Press release in other languages: Russian

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Edeus, a specialist start up mortgage lender, has reported that it has prevented mortgage fraud losses of £35 million in the first six months following the implementation of Hunter, the fraud detection solution from Experian Decision Analytics, part of Experian®.

Like all mortgage lenders, edeus recognised from the outset that it was potentially vulnerable to fraudulent activity. It was therefore vital that robust measures to prevent fraud were employed as a priority from the start to mitigate the risks.

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Experian®, the global information solutions company, has signed an agreement to supply Creative Telecoms & Technologies (‘Creative‘) with its proprietary software to enable Creative to establish a credit reference database and bureau service in Nigeria. Creative is one of the leading Financial Technology Services companies in Africa, specialising in electronic banking, electronic payment and computer telephony software development. Creative will provide valuable decision-making tools to any company or financial institution extending consumer credit in Nigeria.

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Barclays has chosen the Tallyman debt management and collection system from Experian®, the global information services company, to manage its UK retail banking customers in arrears on mortgages, current accounts and unsecured loans.

Tallyman specialises in managing complex customer debt and will enable Barclays to adopt the most effective and proven techniques for ensuring that provisioning and bad debt write-offs are minimised. Tallyman was chosen because it is easy to customise and integrate with Barclays existing customer management systems.

Part of Experian’s Decision Analytics line of business, Tallyman is designed for organisations and businesses that grant credit to consumers and organisations that provide consumer credit as part of their business model, such as financial organisations, retailers, utilities and communications companies, to manage customers falling into arrears with their payments.

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Costa Mesa, Calif. and New York — Grameen America, Inc., a newly formed New York-based microfinance company, and Experian®, a global information services company, today announced the two companies have established a unique data reporting relationship to support Grameen America’s business.

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Tallyman system manages repayments of consumer debts including mortgages, credit cards, loans and overdrafts Samba Financial Group has deployed a new debt management and collection system, Tallyman from Experian.

Tallyman specialises in managing customer debt, including mortgages, credit cards, loans and overdrafts and enables Samba to adopt the most effective and proven techniques for ensuring that provisioning and bad debt write-offs are minimised. Samba evaluated a variety of different products available in this field. Tallyman was chosen because it is easy to configure and can be integrated with Samba’s existing processes.

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Experian®, the global information solutions company, has released the latest version of Tallyman, its specialist debt management system, to help its customers tackle the problems caused by growing numbers of consumers encountering financial difficulties as economic conditions become more difficult.

Tallyman, part of the suite of products offered by Experian’s Decision Analytics business, is used to manage customers who have fallen into arrears with their payments by organisations that grant credit to consumers, including banks, building societies, loan providers, credit card companies and debt collection agencies, as well as organisations that provide consumer credit as part of their business model, such as retailers, utilities and communications companies.

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Experian Decision Analytics has signed an agreement with Garanti Bank, the third largest private bank in Turkey, to supply a set of solutions that will enable the bank to automate its new customer acquisition process. With these solutions Garanti Bank will be able to accurately define and control its credit risk management strategy from the point of application.

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OTTO UK, part of the world's largest home shopping group, is to implement the Probe SM and Reporting Studio solutions from Experian® to improve the financial performance of its customer relationships. These solutions will enable OTTO UK, which encompasses the Freemans, Grattan, Montage, Oli and Look Again brands, to create and manage the company’s customer strategies in the UK, enhance its customer service and improve its overall profitability.

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ATFBank, one of the leaders in the banking industry of Kazakhstan, has chosen Experian Decision Analytics, part of Experian®, the global information solutions company, to automate, maximise and control its customer decision process with a custom-tailored scorecard and New Business Strategy Manager (NBSM) decisioning technology. The scorecard and NBSM will enable ATFBank to accurately assess the risk of credit card applicants and make fast decisions while identifying optimal customers.

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Experian Decision Analytics, part of Experian®, the global information solutions company, has announced that Unibank, one of the leading banks in Azerbaijan is to implement the New Business SM (NBSM) decisioning technology and custom-tailored scorecards from Experian Decision Analytics to automate, maximise and control the bank’s customer decision processes. The scorecards and NBSM will enable Unibank to effectively evaluate the risks of cash loans and credit card applicants, make rapid decisions and accurately evaluate the potential value of each individual customer.

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Yoigo, the fourth largest mobile operator in Spain, is to implement the FEBO solution from Experian Decision Analytics, part of Experian®, to manage the company’s application processing operations and enhance its customer service. FEBO is a decision support tool that enables organisations to deploy different risk strategies and policies. An outsourced, web-based solution to process applications online, FEBO will enable Yoigo to quickly assess the risk level of applicants and provide its customers with an immediate decision.

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Paris, June 2007. Experian has signed an agreement with PlaNet Finance, an international NGO (Non-Governmental Organisation) dedicated to reducing world poverty through the development of microfinance, to promote credit bureau projects in countries where microfinance is developed.

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May 2007– Rome, Italy - Vodafone Italy has announced its implementation of the fraud detection solution, Hunter, from Experian Decision Analytics, part of Experian®. The Hunter solution is a webbased service to identify potentially fraudulent new subscriptions, which will enable Vodafone to detect and prevent fraud at the point of application, creating another barrier to prevent fraud.

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11th May 2007, Nottingham, UK – Experian®, the global information solutions company, has acquired the Tallyman debt collection management software and operations. Tallyman will be become part of the Experian Decision Analytics business to create an innovative and complete collections solution. Tallyman is a market-leading collections management software package that helps organisations to build more focused and closer relationships with their customers by ensuring that revenue collection processes are fully aligned with their business’ objectives.

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8th May 2007, Nottingham – Experian has combined the Experian-Scorex credit risk and analytics business with its fraud and identity solutions business to create a new global business line – Experian Decision Analytics. Experian Decision Analytics will provide better and more integrated services for its clients across the globe, delivering a complete set of proven solutions to tackle credit risk management and fraud challenges throughout the customer life cycle.

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ICICI Bank, India’s second largest bank, has announced that it is to implement customer level behavioural scoring from Experian Decision Analytics. By adopting a customer level approach, the bank will be able to take an holistic view of each individual customer across all the accounts that they operate. This solution will enable the bank to deploy even more effective strategies across the customer lifecycle, helping it to manage risk whilst at the same time further enhancing its delivery of customer service and customer satisfaction.

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1st March 2007 - Jordan Ahli Bank – JAB - (previously Jordan National Bank), a leading Jordanian institution and the first national bank to be established in East Jordan, announces that it is to implement a fully managed application evaluation service from Experian Decision Analytics, the global decision analytics business of Experian®.

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March , 2007, Moscow. – Bank TuranAlem, one of the leading banks in Kazakhstan, has chosen Experian Decision Analytics, the decision analytics business of Experian®, to supply scoring models that will enable the bank to automate its new customer acquisition process. Experian Decision Analytics application scorecards will enable Bank TuranAlem to accurately assess the risk of consumer loan applicants for cash loans, credit cards and automotive loans, and make fast, consistent decisions about their potential value as customers.

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Experian Decision Analytics, the decision analytics business of Experian®, has been engaged by Lloyds TSB Bank to deliver small business credit scoring training at a workshop at the China Banking Regulatory Commission (CBRC) run in the framework of the EU-China Financial Services Co-operation Project. The workshop was organised to assist the development of lending to the SME sector across China.

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Nottingham, UK - Experian®, the global information solutions company, has achieved an industry first by becoming an accredited CIFAS member. The company is one of just 14 out of 255 Members with this accreditation following three separate compliance reviews by CIFAS over three years. Having achieved a ‘superior’ rating on each occasion, Experian’s Consumer Operations department was eligible to apply for accreditation.

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MCL Software Limited, an Experian® company, has signed a new five year agreement with N Hunter Limited to provide the National Hunter system, a leading anti-fraud data sharing service. Over 90 organisations subscribe to National Hunter to form the largest UK database of its type. MCL has maintained the National Hunter database since the system was set up in 1993 for the prevention of application fraud within the banking and finance community.

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Experian Decision Analytics, the global decision support business of Experian®, has announced that Shenzhen Development Bank, one of the leading banks in China, is to implement the Strategy Management decision engine to strengthen its retail banking business. The Strategy Management technology will be delivered through GE Money, which has a global partnership with Experian Decision Analytics to support GE’s decision support operations in over 20 countries.

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Experian®, the global information solutions company, has announced that it has introduced new data sources to its Credit Bureau in Bulgaria to improve the credit risk management process for lenders in Bulgaria and enable them to allocate credit more efficiently. The new features implemented will allow the bureau’s clients to get data from Bulstat, NSSI (National Security System Institute) and credit reference information with a single enquiry.

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Experian Group Limited (LSE:EXPN), a global information solutions provider, today announced that Sharonview Federal Credit Union’s implementation of its Fast StartSM scoring model has resulted in significant bottom-line improvements. Since the integration of Fast Start in 2002, Sharonview Federal Credit Union has realized an 81 percent reduction in both 60-day past due and charge off accounts while experiencing a 12 percent increase in the overall number of loans approved.

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Experian Group Limited (LSE:EXPN), a global information solutions company, today announced the company is ranked number 21 on the third-annual FinTech 100, an international listing of the top technology vendors serving the financial services industry. The FinTech 100 evaluates hardware, software and IT service companies based on fiscal year-end revenues and the percentage of revenues attributed to the financial services industry. The results — issued by American Banker and the research firm Financial Insights, an IDC company — are featured in the Nov. 9 issue of American Banker.

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Experian Group Limited (LSE:EXPN), a global information solutions provider, today announced the launch of the HunterSM fraud detection product in the Americas. Hunter detects fraud at the application stage using a variety of rules-based logic and linkage technology to provide the best defense against fraud. For 10 years, Hunter has consistently increased operational efficiencies and reduced fraud losses for all of the top 30 mortgage lenders in the United Kingdom. Beyond helping clients defend against mortgage fraud, Hunter is currently the leading application fraud detection product in the United Kingdom.

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HSBC, ‘the world’s local bank’, has signed a global contract with Experian Decision Analytics for its decision support solution to achieve compliance with the New Capital Accord (Basel II). Experian Decision Analytics, the specialist decision support business of Experian®, will deliver its Strategy Management business rules engine technology enabling HSBC to deploy a series of Basel II models within its global operations.

Read Press release in other languages: French / Spanish
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Warsaw. Experian Decision Analytics, the global decision analytics business of Experian®, has established an office in Warsaw, Poland. This move confirms the company’s commitment to the Polish market and will enable Experian Decision Analytics to better support its clients in the country – both current and future.

Read Press release in other languages: Spanish
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Experian Decision Analytics, das Experian®-Unternehmen für entscheidungsunterstützende Lösungen, entwickelt in mehreren Schritten eine Auskunftei-Scoring-Suite für den SAF-Unternehmensverbund. Damit wird die SAF eine Reihe von Konsumenten-Scores anbieten können, die sowohl auf Negativdaten (Schuldnerverzeichnis) als auch auf den eigenen Inkassodaten und den Zahlungserfahrungen der angeschlossenen Unternehmen basieren. Die neuen Auskunfteiprodukte unterstützen Unternehmen im B2C-Geschäft bei der Entscheidungsfindung und ermöglichen ein effektiveres und kostengünstigeres Risiko- und Forderungsmanagement.

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