Experian Decision Analytics News


Business Rules Engines	03/07/08
Financial Service businesses run on rules. These rules are where the strategic and tactical objectives of a business meet and potentially conflict with the day to day need to make decisions on individual customers: “What customers do I take on?” “How should I manage the relationship with my customers going forward?” “How do I ensure that business rules optimise customer satisfaction and financial return as well as achieving the objectives set by the business?” View Executive Summary \| Request White Paper ......................................................................................................................................................................
Fraud in the Financial Services sector	20/05/08
With application fraud costing financial services organisations somewhere in the region of US$ 2 trillion a year and rising, it is a problem that cannot be ignored. Fuelled by the growth of the internet, fraud has over the last ten years transitioned from cottage industry to a mass-market crime opportunity operating on a global scale... View Executive Summary \| Request White Paper ......................................................................................................................................................................
Debt Management for Retail Banking	20/05/08
A variety of pressures (market, legislative, competitive) are forcing change within the collection function, and the processes to collect debts are becoming increasingly sophisticated whilst adapting to change… View Executive Summary \| Request White Paper ......................................................................................................................................................................
Debt Management for Telecommunications	20/05/08
Telecommunications operators have faced increasing pressure over recent years to grow the subscriber base in a highly competitive market, only to find that their customers have been able to switch between providers, leaving their debts behind and making customer churn a significant challenge… View Executive Summary \| Request White Paper ......................................................................................................................................................................
Tackling the issue of bust-out fraud	18/12/07
Bust-out fraud is a growing area of fraud for the financial services industry. For organisations across the globe, bust-out fraud is a very topical issue and the losses incurred are becoming significant. In the UK, all the major banks have reported an increase in bad debt and provisions in the last 2 years, part of which could be attributed to this type of fraud. View Executive Summary \| Request White Paper ......................................................................................................................................................................
Customer management for Retail Banking	18/12/07
Retail Banks are continually striving to improve their risk adjusted return on capital. Bank profitability is driven by revenue, costs and bad debt losses whilst maintaining high levels of customer satisfaction and regulatory compliance. View Executive Summary \| Request White Paper ......................................................................................................................................................................
Origination for SME Lending - Management of high volume, low ticket value lending	18/12/07
A major concern of lenders providing financial services to the smaller end of the small and medium sized enterprises (SMEs) sector is the operational cost of servicing these accounts and the generally perceived difficulty of controlling and forecasting bad debt. Caused by the lack of reliable data and the inherently higher risk of unsecured lending to SMEs, lenders have traditionally relied upon manual decisions and skilled underwriting to control risk. However the costs of this can be out of proportion to the high volume, low ticket lending which characterises the majority of the SME portfolio. View Executive Summary \| Request White Paper ......................................................................................................................................................................
Origination for unsecured lending	18/12/07
In today’s unsecured lending marketplace customer expectations are increasingly high and competition is fierce. As competition increases customers have dozens or even hundreds of credit offers and lenders to choose from. This proliferation of offers can reduce brand loyalty and lenders will have to work much harder to attract, acquire and retain customers View Executive Summary \| Request White Paper ......................................................................................................................................................................
Basel II - Does your rating system work?	03/11/06
Despite the widespread use of credit scoring throughout the banking industry, it has only come under limited scrutiny until recently. With the introduction of the New Capital Accord ( Basel II), the industry now has to comply with requirements for more robust risk management techniques, and within this, mandatory validation. This white paper focuses on the issues of validation and discusses feasible validation approaches covering all aspects of data and process quality, as well as quantative and qualitative approaches to validation, which address the issue of compliance whilst delivering maximum benefit. View Executive Summary \| Request White Paper .......................................................................................................................................................................
Optimising real-time marketing	03/11/06
In an age where direct marketing effectiveness is declining, organisations are increasingly using marketing when customers decide to interact with the business (through telephone, face to face, web or ATM). This is a time when an organisation has the attention and permission of the customer to communicate, providing an ideal opportunity to strengthen the relationship. Sophisticated organisations are using experienced front-line staff and new systems to help manage the decision-making and delivery process of customer offers and marketing messages. View Executive Summary I Request White Paper .......................................................................................................................................................................
Marketing Optimization	03/11/06
For your organisation to thrive it is important to make the most of each customer interaction by maximising customer value. In a world where there are millions of customers, multiple touch points and many possible actions or offers, how can you ensure that the decisions and actions you take will maximise sales and revenues whilst meeting your budget and customer contact policies. View Executive Summary I Request White Paper .......................................................................................................................................................................
Modelling personal bankruptcy in the UK	20/07/06
High levels of consumer indebtedness and the new provisions around personal bankruptcy contained in the Enterprise Act of 2002 have resulted in significant increases in the number of individual bankrupts in the UK. The issue has become a high profile topic in the press and is seen as a growing problem for the UK economy. Prompted by this increase and the growing concerns of UK lenders about the bad debt caused by bankruptcy, Experian Decision Analytics has carried out extensive research into the issue. The research focused on the differences between bankrupts and other delinquent customers and considered how credit bureau data could be utilised to better identify customers who will become bankrupt in the future. View Executive Summary I Request White Paper .......................................................................................................................................................................
A Profit Driven Approach to Risk Based Pricing	15/02/06
Risk based pricing is the practice of considering the ‘risk’ of an applicant and applying different lending interest rates and terms based on their profile. This paper reflects the many years of experience Experian Decision Analytics has gained from working with financial lenders implementing risk management decision support and scoring systems. Over this time we have developed with clients the growing science of risk based pricing and from this, developed a tried and tested methodology for creating and implementing effective and successful projects. View Executive Summary I Request White Paper .......................................................................................................................................................................
The Need for Credit Bureaux	25/07/05
This White Paper, originally published in early 2004, has been reviewed and updated. The paper examines the advantages of having a Credit Bureau in a country, for both consumers and companies as well as what makes an effective Credit Bureau. View Executive Summary I Request White Paper .......................................................................................................................................................................
Strategy Optimization for Credit - The next step in credit customer decisioning	01/07/05
Strategy Optimization for Credit is the "next step" in customer decisioning, this White Paper outlines the background to Strategy Optimization for Credit and how it can be implemented across the credit lifecycle leading to increased profit, improved operational and financial management benefits and the ability to respond to changing environments more dynamically. View Executive Summary I Request White Paper ......................................................................................................................................................................
Overindebtedness and responsible lending	01/06/05
This paper outlines the indebtedness issue in the UK and details the results of the research, which has led to the development of a number of initiatives from Experian Decision Analytics to support the responsible lending practices that are now being pursued by many UK lenders. This White Paper is available on request. View Executive Summary I Request White Paper ......................................................................................................................................................................