Host Card Emulation: We are not in Kansas anymore

Both Visa and MasterCard announced their support for Host Card Emulation (HCE) and their intent to release HCE specifications soon. I have been talking about HCE from late 2012 (partly due to my involvement with SimplyTapp) and you could read as to why HCE matter and what Android KitKat-HCE...read more

Day Two from the Experian Vision2013 Conference

  James W. Paulsen, Ph.D., Chief Investment Strategist at Wells Capital Management kicked off day two at the Experian Vision 2013 Conference with an upbeat economic outlook for 2013 and what it means longer term, for the next generation. Paulsen is nationally recognized for his views on the economy...read more

Warts, Whiskers and Once-Super Models

What happens when once desirable models begin to show their age? Not the willowy, glamorous types that prowl high-fashion catwalks. But rather the aging scoring models you use to predict risk and rank-order various consumer segments. Keeping a fresh face on these models can return big dividends, in...read more

Prepaid Reloadable - Will Card Issuers Lose Big?

This week, American Express unveiled a new payments offering that will surely compete with not just other prepaid options, but will impact debit and credit sales volume as well.The prepaid card offered by American Express carries no fee for activation, reloading or lost card replacement. The card...read more

Meet TRMA Panel Moderator and Board Member John Stevenson of U.S. Cellular

Later this month, at TRMA’s 2011 Summer conference in San Francisco, U.S. Cellular’s John Stevenson will facilitate a panel discussion by industry experts entitled “How to Make a First-Party Program Successful.” Topics will include: roll-out, how to measure success, criteria in choosing a partner,...read more

Must-See Vision Conference Sessions for Telecom Companies

Experian’s 2011 Vision Conference is just around the cornerVision 2011 is scheduled for May 1-4 in Hollywood, Florida, at the Westin Diplomat Resort. Once again, Vision is bringing together leading experts to share their insights and stimulate a productive exchange of ideas on today’s most relevant...read more

Managing the cost of Deposit Account Acquisition

by Chris Ryan Application risk management processes for deposits has remained relatively unchanged for decades. Typically, it involves credit bureau data and a secondary check of “debit bureau” data. A “debit bureau” typically gathers information regarding known fraud and compiles a fraud database...read more

Understanding Deposit Account Losses through Analytics

by Chris Ryan Exciting research leveraging Experian’s fraud analytics and credit risk modeling are now enabling deposit institutions to understand the impacts of first party fraud and identity theft on their portfolios.    Historically, deposit institutions have not considered application fraud to...read more

KBA best practice: get your “good” consumers through quickly

By Monica Pearson   Let’s face it – not all knowledge based authentication (KBA) is created equal. I, too, have read horror stories of consumers forced to answer questions about a deceased relative or ex-spouse, or KBA sessions that went on far too long for anyone’s benefit. I have to attribute this...read more