Analytics & Credit Decisions Community

Brighter customer engagement for utilities

Smart meters have made possible new services for customers, such as automated budget assistance and bill management tools, energy use notifications, and "smart pricing" and demand response programs. It is estimated that more than 50 million smart meters have been deployed as of July 2014. Utilities...read more

Experian announces comarket agreement for Baker Hill Advisor product with MainStreet Technologies’ Loan Loss Analyzer

A new comarketing agreement for MainStreet Technologies’ (MST) Loan Loss Analyzer product with Experian Decision Analytics’ Baker Hill Advisor®product will provide the banking industry with a comprehensive, automated loan-management offering. The combined products provide banks greater confidence...read more

The best medicine for data governance? Be your own doctor

This is the first post in a three-part series. You’ve probably heard the adage “There is a little poison in every medication,” which typically is attributed to Paracelsus (1493–1541), the father of toxicology. The trick, of course, is to prescribe the correct balance of agents to improve the patient...read more

The Future of Fraud

This article originally appeared on WIRED. When I started 41st Parameter more than a decade ago, I had a sense of what fraud was all about. I’d spent several years dealing with fraud while at VeriSign and American Express. As I considered the problem, I realized that fraud was something that could...read more

Why do merchants reject NFC?

Through all the rather “invented conflict” of MCX vs Apple Pay by the tech media these last few weeks – very little diligence was done on why merchants have come to reject NFC (near field communication) as the standard of choice. Maybe I can provide some color here – both as to why traditionally...read more

Peeling the layers of today’s pricing

I began this blog series asking the question “How can banks offer such low rates?” Exploring the relationship of pricing in an environment where we have a normalized. I outlined a simplistic view of loan pricing as:  + Interest Income + Non-Interest Income Cost of Funds Non-Interest Expense Risk...read more

Is your Risk Ratings making the grade?

I am at the Risk Management Association’s annual conference in DC and I feel like I am back to where my banking career began.  One of the key topics here is how important the Risk Rating Grade is and what impact that right or wrong Risk Rating Grade can have on the bank. It is amazing to me how a...read more

Model Risk Governance – It’s not just for the big banks

I have just completed the first of two presentations on Model Risk Governance at the RMA Annual Conference.  The focus of the presentation was the compliance with the Model Risk Governance guidance at the smaller asset sized financial institutions.  The big theme across all of the attendees at the...read more

Using Analytics to Deepen Customer Relationships

On October 7th, Kevin Poe from Experian’s Global Consulting Practice participated in a Social Media Today webinar titled, How Marketing Can Power Engagement: Using Analytics to Deepen Customer Relationships. Kevin shared his deep insights on how the use of data and analytics can help companies...read more

Ori Eisen emphasizes importance of data and analytics to detect fraud with BloombergTV

Experian hosted the Future of Fraud event this week in New York City where Ori Eisen and Frank Abagnale hosted clients and prospects highlighting the need for innovative fraud solutions to stay ahead the consistent threat of online fraud. After, Ori and Frank appeared on Bloomberg TV, interviewed by...read more