©2014 Experian Information Solutions, Inc. All rights reserved. Experian and the marks used herein are service marks or re...
2©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
 Experian’s integrated services
platfor...
3©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Experian’s integrated
services platform
...
4©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM is Experian’s...
5©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM is Experian’s...
6©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM is Experian’s...
7©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM is Experian’s...
8©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM is Experian’s...
9©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM is Experian’s...
10©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM is Experian’...
11©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
As a smart phone offers more than just ...
12©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Access to Experian credit data and othe...
13©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM enables
acce...
14©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM enables
acce...
15©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM enables
acce...
16©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM enables
acce...
17©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM enables
acce...
18©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM enables
acce...
19©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM enables
acce...
20©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM enables
acce...
21©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM enables
acce...
22©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM enables
acce...
23©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM enables
acce...
24©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM enables
acce...
25©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM enables
acce...
26©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM enables
acce...
27©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Clients access Decisioning as a Service...
28©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Clients access Decisioning as a Service...
29©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM helps you bo...
30©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Decisioning as a ServiceSM helps you bo...
31©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Numerous platform partners access
Decis...
32©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Client case study
A vehicle finance len...
33©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
 Automobile finance company –
indirect...
34©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
 Needed better credit risk
assessment
...
35©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Experian constructed a custom tri-burea...
36©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Experian constructed a custom tri-burea...
37©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Construct custom
model suite
Custom cre...
38©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Challenge:
How should the model suite b...
39©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Challenge:
How should the model suite b...
40©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Challenge:
How should the model suite b...
41©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Inquiry information
(Name, address, oth...
42©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Inquiry information
(Name, address, oth...
43©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Inquiry information
(Name, address, oth...
44©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
A typical model-suite implementation pr...
45©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
First Investors is realizing significan...
46©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
In a future phase, First Investors may ...
47©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Pathway to business
improvement
Getting...
48©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Get started by identifying opportunitie...
49©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Get started by identifying opportunitie...
50©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Questions and
answers
51©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Final thought…
52©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
For additional information, please cont...
53©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Visit the Experian Expert Bar to learn ...
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Vision 2014: Discover-how-an-integrated-solutions-platform-can-assist-your-organization-with-operation-and-scorecard-implementation

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Vision 2014: Discover-how-an-integrated-solutions-platform-can-assist-your-organization-with-operation-and-scorecard-implementation

  1. 1. ©2014 Experian Information Solutions, Inc. All rights reserved. Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein are the trademarks of their respective owners. No part of this copyrighted work may be reproduced, modified, or distributed in any form or manner without the prior written permission of Experian. Experian Public. Discover how an integrated services platform can assist your organization with operation and scorecard implementation Roger Ahern Experian Tony Capili Experian #vision2014
  2. 2. 2©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.  Experian’s integrated services platform – Decisioning as a ServiceSM  Client case study – A vehicle finance lender’s challenge to implement a custom tri-bureau model  Pathway to business improvement – Getting started on your way to improved business results Agenda
  3. 3. 3©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Experian’s integrated services platform Decisioning as a ServiceSM
  4. 4. 4©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM is Experian’s integrated services platform Standard credit bureau access method Inquiry information (Name, address, other information) Experian Equifax TransUnion Your existing business process for accessing credit data
  5. 5. 5©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM is Experian’s integrated services platform Your existing business process for accessing credit data Standard credit bureau access method Inquiry information (Name, address, other information) Data Decisioning as a ServiceSM
  6. 6. 6©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM is Experian’s integrated services platform Your existing business process for accessing credit data Standard credit bureau access method Inquiry information (Name, address, other information) Data Attributes Decisioning as a ServiceSM
  7. 7. 7©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM is Experian’s integrated services platform Your existing business process for accessing credit data Standard credit bureau access method Inquiry information (Name, address, other information) Data Attributes Decisioning as a ServiceSM Scores
  8. 8. 8©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM is Experian’s integrated services platform Your existing business process for accessing credit data Standard credit bureau access method Inquiry information (Name, address, other information) Data Attributes Decisioning as a ServiceSM Scores Decisions Risk score Debt to income Approve Decline Employment status Approve Decline
  9. 9. 9©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM is Experian’s integrated services platform Data Attributes Decisioning as a ServiceSM Scores Decisions Risk score Debt to income Approve Decline Employment status Approve Decline Treatments Your existing business process for accessing credit data Standard credit bureau access method Inquiry information (Name, address, other information)
  10. 10. 10©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM is Experian’s integrated services platform Data Attributes Decisioning as a ServiceSM Scores Decisions Risk score Debt to income Approve Decline Employment status Approve Decline Treatments Your existing business process for accessing credit data Standard credit bureau access method Inquiry information (Name, address, other information) Standard credit bureau access method Decision and treatment (data, attributes, scores and decision) Supports: Instant prescreen, prequalification and instant credit decisions
  11. 11. 11©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. As a smart phone offers more than just voice service, Experian delivers more than just data
  12. 12. 12©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Access to Experian credit data and other data sources Data sources Decisioning as a ServiceSM enables access to Experian and third party data Data Attributes Decisioning as a ServiceSM Scores Decisions Risk score Debt to income Approve Decline Employment status Approve Decline Treatments Inquiry information (Name, address, other information) Data Client’s existing business process for accessing credit data Experian consumer
  13. 13. 13©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM enables access to Experian and third party data Data Attributes Decisioning as a ServiceSM Scores Decisions Risk score Debt to income Approve Decline Employment status Approve Decline Treatments Inquiry information (Name, address, other information) Data Client’s existing business process for accessing credit data Access to Experian credit data and other data sources Experian consumer Data sources Fraud data (via Precise IDSM) Experian business
  14. 14. 14©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM enables access to Experian and third party data Data Attributes Decisioning as a ServiceSM Scores Decisions Risk score Debt to income Approve Decline Employment status Approve Decline Treatments Inquiry information (Name, address, other information) Data Client’s existing business process for accessing credit data Access to Experian credit data and other data sources Experian consumer Data sources Fraud data (via Precise IDSM) Experian business Internal client data
  15. 15. 15©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM enables access to Experian and third party data Data Attributes Decisioning as a ServiceSM Scores Decisions Risk score Debt to income Approve Decline Employment status Approve Decline Treatments Inquiry information (Name, address, other information) Data Client’s existing business process for accessing credit data Access to Experian credit data and other data sources Experian consumer Data sources Fraud data (via Precise IDSM) Experian business Internal client data Equifax TransUnion
  16. 16. 16©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM enables access to Experian and third party data Data Attributes Decisioning as a ServiceSM Scores Decisions Risk score Debt to income Approve Decline Employment status Approve Decline Treatments Inquiry information (Name, address, other information) Data Client’s existing business process for accessing credit data Access to Experian credit data and other data sources Experian consumer Data sources Fraud data (via Precise IDSM) Experian business Internal client data Equifax TransUnion LexisNexis Clarity
  17. 17. 17©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM enables access to Experian and third party data Data Attributes Decisioning as a ServiceSM Scores Decisions Risk score Debt to income Approve Decline Employment status Approve Decline Treatments Inquiry information (Name, address, other information) Data Client’s existing business process for accessing credit data Access to Experian credit data and other data sources Experian consumer Data sources Fraud data (via Precise IDSM) Experian business Internal client data Equifax TransUnion LexisNexis Clarity Other data (Attribute Toolbox™)
  18. 18. 18©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM enables access to Experian and custom attributes Data Attributes Decisioning as a ServiceSM Scores Decisions Risk score Debt to income Approve Decline Employment status Approve Decline Treatments Inquiry information (Name, address, other information) Data and attributes Client’s existing business process for accessing credit data Access to Experian and custom attributes Attributes Premier AttributesSM
  19. 19. 19©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM enables access to Experian and custom attributes Data Attributes Decisioning as a ServiceSM Scores Decisions Risk score Debt to income Approve Decline Employment status Approve Decline Treatments Inquiry information (Name, address, other information) Data and attributes Client’s existing business process for accessing credit data Access to Experian and custom attributes Attributes Premier AttributesSM Trend ViewSM Attributes Experian TAPSSM
  20. 20. 20©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM enables access to Experian and custom attributes Data Attributes Decisioning as a ServiceSM Scores Decisions Risk score Debt to income Approve Decline Employment status Approve Decline Treatments Inquiry information (Name, address, other information) Data and attributes Client’s existing business process for accessing credit data Access to Experian and custom attributes Attributes Premier AttributesSM Trend ViewSM Attributes Experian TAPSSM BizAggsSM Small Business Credit ShareSM aggregates
  21. 21. 21©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM enables access to Experian and custom attributes Data Attributes Decisioning as a ServiceSM Scores Decisions Risk score Debt to income Approve Decline Employment status Approve Decline Treatments Inquiry information (Name, address, other information) Data and attributes Client’s existing business process for accessing credit data Access to Experian and custom attributes Attributes Premier AttributesSM Trend ViewSM Attributes Experian TAPSSM BizAggsSM Client custom attributes Small Business Credit ShareSM aggregates
  22. 22. 22©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM enables access to Experian and custom scores Data Attributes Decisioning as a ServiceSM Scores Decisions Risk score Debt to income Approve Decline Employment status Approve Decline Treatments Inquiry information (Name, address, other information) Data, attributes and scores Client’s existing business process for accessing credit data Access to Experian and custom scores Scores Extended ViewSM Vantage Score®
  23. 23. 23©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM enables access to Experian and custom scores Data Attributes Decisioning as a ServiceSM Scores Decisions Risk score Debt to income Approve Decline Employment status Approve Decline Treatments Inquiry information (Name, address, other information) Data, attributes and scores Client’s existing business process for accessing credit data Access to Experian and custom scores Extended ViewSM Scores Vantage Score® Income InsightSM Debt-to-Income InsightSM Precise IDSM & Knowledge IQSM
  24. 24. 24©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM enables access to Experian and custom scores Data Attributes Decisioning as a ServiceSM Scores Decisions Risk score Debt to income Approve Decline Employment status Approve Decline Treatments Inquiry information (Name, address, other information) Data, attributes and scores Client’s existing business process for accessing credit data Access to Experian and custom scores Extended ViewSM Scores Vantage Score® Income InsightSM Debt-to-Income InsightSM Intelliscore PlusSM BizIDSMPrecise IDSM & Knowledge IQSM
  25. 25. 25©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM enables access to Experian and custom scores Data Attributes Decisioning as a ServiceSM Scores Decisions Risk score Debt to income Approve Decline Employment status Approve Decline Treatments Inquiry information (Name, address, other information) Data, attributes and scores Client’s existing business process for accessing credit data Access to Experian and custom scores Extended ViewSM Scores Vantage Score® Income InsightSM Debt-to-Income InsightSM Intelliscore PlusSM BizIDSM Custom client scores Precise IDSM & Knowledge IQSM
  26. 26. 26©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM enables access to Experian decisioning Data Attributes Decisioning as a ServiceSM Scores Decisions Risk score Debt to income Approve Decline Employment status Approve Decline Treatments Inquiry information (Name, address, other information) Data, attributes, scores and decisions Client’s existing business process for accessing credit data Access to Experian credit data and other data sources Decisioning Strategy ManagementSM Risk score Debt to income Approve Decline Employment status Approve Decline Strategy Design Studio Risk score Debt to income Approve Decline Employment status Approve Decline Strategy Monitoring Risk score Debt to income Approve Decline Employment status Approve Decline
  27. 27. 27©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Clients access Decisioning as a ServiceSM via platform partners (Example inquiry screen) Inquiry information Data Attributes Decisioning as a ServiceSM Scores Decisions Risk score Debt to income Approve Decline Employment status Approve Decline Treatments Real-time system-to-system interface
  28. 28. 28©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Clients access Decisioning as a ServiceSM via platform partners (Example inquiry screen) Inquiry information Data Attributes Decisioning as a ServiceSM Scores Decisions Risk score Debt to income Approve Decline Employment status Approve Decline Treatments (Example response screen) Pre-approved credit offers Real-time system-to-system interface
  29. 29. 29©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM helps you book more accounts – A Decisioning as a ServiceSM client A couple clicks of the mouse through our Symitar system and we have our instant prescreen results and a certificate for our member if they qualify for either offer. “ ”
  30. 30. 30©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Decisioning as a ServiceSM helps you book more accounts
  31. 31. 31©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Numerous platform partners access Decisioning as a ServiceSM today PowerCurve™ OnDemand
  32. 32. 32©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Client case study A vehicle finance lender’s challenge to implement a custom tri-bureau model
  33. 33. 33©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.  Automobile finance company – indirect and direct lending  Indirect business serves automobile dealerships in 37 states  Focused on consumers with low credit scores and bankruptcy  Direct lending supported by pre- approved offers for refinance using direct mail channel First Investors is a direct and indirect automobile finance company
  34. 34. 34©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.  Needed better credit risk assessment  Needed to expand geographic footprint (while managing credit risk)  Credit assessment turnaround was too long (resulting in low “book-to-approved” ratios) First Investors wanted to book more accounts and drive more revenue (while controlling risk)
  35. 35. 35©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Experian constructed a custom tri-bureau credit risk model Assess raw credit data 1 Experian Equifax TransUnion
  36. 36. 36©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Experian constructed a custom tri-bureau credit risk model Assess raw credit data 1 Experian Equifax TransUnion Determine credit attributes 2 Premier AttributesSM
  37. 37. 37©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Construct custom model suite Custom credit risk model suite 3 Experian constructed a custom tri-bureau credit risk model Assess raw credit data 1 Experian Equifax TransUnion Determine credit attributes 2 Premier AttributesSM
  38. 38. 38©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Challenge: How should the model suite be deployed in production? Option 1 Deploy model suite within client’s loan origination system
  39. 39. 39©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Challenge: How should the model suite be deployed in production? Option 1 Deploy model suite within client’s loan origination system Option 2 Deploy model suite separately at each credit bureau
  40. 40. 40©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Challenge: How should the model suite be deployed in production? Option 1 Deploy model suite within client’s loan origination system Option 2 Deploy model suite separately at each credit bureau Option 3 Deploy model suite once at Experian with Decisioning as a ServiceSM
  41. 41. 41©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Inquiry information (Name, address, other information) Decisioning as a ServiceSM approach offers single point of accountability First Investors loan origination system Data Decisioning as a ServiceSM Or … Or … Experian Equifax TransUnion
  42. 42. 42©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Inquiry information (Name, address, other information) Decisioning as a ServiceSM approach offers single point of accountability First Investors loan origination system Data Decisioning as a ServiceSM Attributes Premier AttributesSM Or … Or … Experian Equifax TransUnion
  43. 43. 43©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Inquiry information (Name, address, other information) Decisioning as a ServiceSM approach offers single point of accountability First Investors loan origination system Or … Or … Experian Equifax TransUnion Data Decisioning as a ServiceSM Premier AttributesSM Scores Custom credit risk model suite Data, attributes, scores Attributes
  44. 44. 44©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. A typical model-suite implementation process is about three months Client Business requirements ~2 weeks Access method requirements Data source(s) and bureau preference logic Attributes and scores Solution configuration ~5 weeks Access configuration Configure access from calling system to Experian Configure solution per client requirements Audit and testing ~2 weeks Audit and test solution User acceptance testing ~3 weeks Test solution prior to live production Production
  45. 45. 45©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. First Investors is realizing significant business benefits We are expanding market share and booking thousands of additional accounts per month (while managing credit risk) “ ”Our average response time has been reduced by 90%“ ”
  46. 46. 46©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. In a future phase, First Investors may create their own custom attributes Data Attributes Decisioning as a ServiceSM Scores Decisions Risk score Debt to income Approve Decline Employment status Approve Decline Treatments Experian hosted Attribute Toolbox™ Configuration studio Deployment file  Secure file transfer process First Investors  Attribute Toolbox™ used to create custom attributes  Custom attributes deployed into production via deployment file (that is, no coding is necessary)
  47. 47. 47©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Pathway to business improvement Getting started on your way to improved business results
  48. 48. 48©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Get started by identifying opportunities for improvement Type of decision: Instant prescreen Prequalification Instant credit Credit line management Retention management Collection treatment decisions Product: Demand deposit account (DDA) Credit card Mortgage Home equity Auto finance Wireless telecom Channel: Direct mail Call center Branch / retail store Web site
  49. 49. 49©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Get started by identifying opportunities for improvement Type of decision: Instant prescreen Prequalification Instant credit Credit line management Retention management Collection treatment decisions Product: Demand deposit account (DDA) Credit card Mortgage Home equity Auto finance Wireless telecom Channel: Direct mail Call center Branch / retail store Web site
  50. 50. 50©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Questions and answers
  51. 51. 51©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Final thought…
  52. 52. 52©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. For additional information, please contact: Roger.Ahern@experian.com Tony.Capili@experian.com Hear the latest from Vision 2014 in the Daily Roundup: www.experian.com/vision/blog @ExperianVision | #vision2014 Follow us on Twitter
  53. 53. 53©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Visit the Experian Expert Bar to learn more about the topics and products covered in this presentation.

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