Analytics & Credit Decisions Community

Data breaches, compromised passwords, and hacked credentials

More than ever before, there may now be credence in the view that the majority of consumers’ personally identifiable information (PII), user names and passwords, and even some authentication tokens have been, or are, at risk of compromise.  Between sophisticated hacking schemes and regularly...read more

Be a mobile banking superhero.

Last week I had a friend of mine (who would be a self-declared geek) go to GenCon in Indianapolis.  For those that don’t know anything about GenCon, it is one of the largest gaming conventions in the world and it is the only time that you can expect to see everyday folks dressed up as superheroes or...read more

How can banks offer such low rates?

by John P. Robertson, Senior Business Process Specialist As a Senior Business Process Specialist for the Experian Decision Analytics, John provides guidance to clients in the areas of profitability strategies for risk based pricing and relationship profitability. He assists banks in developing and...read more

Mobile cooperation as a competitive advantage

Last week, I spoke to you about an American Banker webinar that Experian hosted on  “What is next for mobile banking”.  Hopefully you were able to attend, but for those that could not, I promised we would cover a few of the key points.  So here we go. I just sent my youngest off to Kindergarten this...read more

The ideal prospecting list: finding the most profitable consumers

Many times prescreen filtering stops after risk selection but that’s just one small piece of the puzzle. Experian has new tools that can help you pick out the most profitable consumers based on your business objectives.     Think about it - if you’re looking for consumers who will be profitable...read more

The ideal prospect list: optimal risk selection

Every prospecting list needs to be filtered by your organizations specific credit risk threshold.  Whether you’re developing a campaign targeting super-prime, sub-prime, or consumers who fall somewhere in between, an effective credit risk model needs to do two things: 1) accurately represent a...read more

Passwords are not enough

Companies are facing incredible difficulties identifying fraud risks at the point of origination. Setting up accurate fraud detection processes has become more and more challenging as mobile and online channels have become widely used by consumers. At the same time, fraudsters’ techniques are...read more

Forecasting the next trends in Mobile

As summer comes to end, so does the summer reading list but if you are still trying to get one in, I just finished reading “Isaac's Storm: A Man, a Time, and the Deadliest Hurricane in History”, which is about Isaac Cline the resident meteorologist  for  U.S. Weather Bureau and the 1900 Hurricane...read more

Four steps to creating the ideal prospecting list.

At Experian, we frequently get asked by clients how they can get bigger mailing list that open new markets and reach more people. But bigger isn’t necessarily better, and it doesn’t always translate to a higher return on your marketing investment. Instead of just increasing volume, let’s consider a...read more

Building your bankcard acquisitions analytical toolkit

“Do more with less” is a pervasive and familiar mantra nowadays as lenders seek to make smarter and more precise lending decisions while expertly balancing growth objectives and tightened budgets.  And lest we forget, banks must also consider the latest regulations and increased regulatory scrutiny...read more