Financial Services - Bankcard, Auto, Mortgage

Pealing 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

Homeowners are borrowing again, as HELOC lending increased 27 percent in Q2 2014

Experian–Oliver Wyman data reports $120 billion in new home-equity credit loans in past year; Q2 2014 saw new mortgage originations totaling $292 billionMortgage origination volumes saw an increase of 15 percent in Q2 2014. Home-equity line of credit (HELOC) lending saw the biggest gains, according...read more

Auto Lending Naysayers Are Neglecting Key Facts

This is the first of a two part blog about the state of auto lending in the U.S. In 2014, auto lending has received increased media attention.  Unlike other forms of consumer lending, auto lending has been booming.  This lending has powered spending and has been an important driver of the economic...read more

What your lenders want in a lending process – but may not say to you.

A recent industry survey was published that called out the number one reason that lenders were dissatisfied or willing to go to another financial institution (and take their book of business with them) was not compensation.  While, compensation is often thought of as the number one driver for this...read more

What Apple Pay Means for Banks' Mobile Dreams

Cherian Abraham, our mobile commerce and payments consultant, recently wrote about the future of mobile banking in regards to the Apple Pay news out this week. The below article originally appeared in American Banker and is an edited version of his blog post. Editor's note: A version of this post...read more

The couch and the fitness device – your next branch

Note: As we wrap our 3-part blog coverage of the American Banker webinar, “What’s next for mobile banking?”, we focus on the comments from  Cherian Abraham and a great question on wearable devices.   Experian - What's Next for Mobile Banking from Experian Decision Analytics It is amazing to me as...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