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opportunities for society. Experian is dedicated to
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We live in an interdependent world where business
growth helps economies flourish, and that creates
opportunities to break down social barriers and give
more people a better tomorrow.
This document discusses how technology is changing donor behavior and fundraising. It notes that donors, especially younger generations, now interact and engage primarily through mobile devices and social media. As a result, fundraisers must meet donors where they are online and provide quick, convenient engagement through platforms like mobile apps and social media. The document also discusses how data collection and analytics are increasingly important to understand donors and target fundraising efforts more effectively. However, it cautions that technology should enhance human relationships and storytelling, not replace them, in order to build long-term donor loyalty and engagement.
Private bankers could be forgiven a sense of deja-vu as 2014 unfolds. A quick glance at the trade press suggests that for many it’s a case of “new year, same challenges”. So, what does the future hold for wealth management marketing strategy? Do more cost-effective models exist for private banks and wealth advisers and what role can digital technology play in helping the wealth community broaden its appeal amongst HNWI as well as newer and more profitable segments.
Small and medium sized agencies have always represented an interesting alternative to the big brands. Now they have a refreshed value proposition. This study can help any agency build their brand.
- Corporate Payment Services has expanded its corporate card coverage to include South Africa through a partnership with Nedbank, South Africa's largest commercial bank.
- Emory University is using vPayment On-Demand to reduce check writing and streamline its accounts payable process. vPayment On-Demand provides controls to pay invoices electronically while addressing concerns around spending controls.
- The document provides tips for corporate card program managers, including consolidating merchant category code tables to reduce the number needed and clearly documenting policies and procedures. Regular communication with cardholders is also recommended.
Banco Compartamos is a micro-finance institution in Mexico that provides loans and financial services to low-income entrepreneurs. In 2007, it implemented an enterprise data warehouse using Teradata to address issues like fraud risk and improve customer service. The data warehouse centralized data to provide integrated, timely insights. This helped Banco Compartamos expand operations, services, and reach over 1.5 million customers, becoming the largest micro-finance institution in Latin America. Key benefits included faster credit application processing, improved risk management and customer insights, and automated daily reporting.
10 Innovative Artificial Intelligence solution Providers of 2020Mirror Review
AI has played a vital role in the digitalization of all the industries. It is considered as the leading factor in reconstructing the industries as a part of the fourth industrial revolution. Acknowledging the importance of AI in today times, the team of Mirror Review has come up with the latest magazine issue, “The 10 Innovative Artificial Intelligence Solution Providers of 2020.”
The document discusses the Money Merge Account system created by United First Financial that helps homeowners pay off their mortgages much faster through strategic use of their finances. It highlights endorsements from industry professionals who have seen the program help clients reduce debt and build wealth. The document also provides strategies for mortgage professionals to integrate the Money Merge Account into their business to increase loan volume, profitability, and referrals.
The document outlines the key steps in a marketing plan: 1) setting goals and tracking metrics, 2) gaining insights and targeting audiences, 3) developing messaging and offers, 4) producing marketing assets, 5) planning media and budget, and 6) executing the plan and analyzing results. It also quotes Professor Mark Ritson saying companies should focus more on the 95% of marketing that is the same across different contexts rather than differences.
This document discusses how technology is changing donor behavior and fundraising. It notes that donors, especially younger generations, now interact and engage primarily through mobile devices and social media. As a result, fundraisers must meet donors where they are online and provide quick, convenient engagement through platforms like mobile apps and social media. The document also discusses how data collection and analytics are increasingly important to understand donors and target fundraising efforts more effectively. However, it cautions that technology should enhance human relationships and storytelling, not replace them, in order to build long-term donor loyalty and engagement.
Private bankers could be forgiven a sense of deja-vu as 2014 unfolds. A quick glance at the trade press suggests that for many it’s a case of “new year, same challenges”. So, what does the future hold for wealth management marketing strategy? Do more cost-effective models exist for private banks and wealth advisers and what role can digital technology play in helping the wealth community broaden its appeal amongst HNWI as well as newer and more profitable segments.
Small and medium sized agencies have always represented an interesting alternative to the big brands. Now they have a refreshed value proposition. This study can help any agency build their brand.
- Corporate Payment Services has expanded its corporate card coverage to include South Africa through a partnership with Nedbank, South Africa's largest commercial bank.
- Emory University is using vPayment On-Demand to reduce check writing and streamline its accounts payable process. vPayment On-Demand provides controls to pay invoices electronically while addressing concerns around spending controls.
- The document provides tips for corporate card program managers, including consolidating merchant category code tables to reduce the number needed and clearly documenting policies and procedures. Regular communication with cardholders is also recommended.
Banco Compartamos is a micro-finance institution in Mexico that provides loans and financial services to low-income entrepreneurs. In 2007, it implemented an enterprise data warehouse using Teradata to address issues like fraud risk and improve customer service. The data warehouse centralized data to provide integrated, timely insights. This helped Banco Compartamos expand operations, services, and reach over 1.5 million customers, becoming the largest micro-finance institution in Latin America. Key benefits included faster credit application processing, improved risk management and customer insights, and automated daily reporting.
10 Innovative Artificial Intelligence solution Providers of 2020Mirror Review
AI has played a vital role in the digitalization of all the industries. It is considered as the leading factor in reconstructing the industries as a part of the fourth industrial revolution. Acknowledging the importance of AI in today times, the team of Mirror Review has come up with the latest magazine issue, “The 10 Innovative Artificial Intelligence Solution Providers of 2020.”
The document discusses the Money Merge Account system created by United First Financial that helps homeowners pay off their mortgages much faster through strategic use of their finances. It highlights endorsements from industry professionals who have seen the program help clients reduce debt and build wealth. The document also provides strategies for mortgage professionals to integrate the Money Merge Account into their business to increase loan volume, profitability, and referrals.
The document outlines the key steps in a marketing plan: 1) setting goals and tracking metrics, 2) gaining insights and targeting audiences, 3) developing messaging and offers, 4) producing marketing assets, 5) planning media and budget, and 6) executing the plan and analyzing results. It also quotes Professor Mark Ritson saying companies should focus more on the 95% of marketing that is the same across different contexts rather than differences.
Will you help kill your 30 year Mortgage?payitearly
The document discusses the Money Merge Account system created by United First Financial that helps homeowners pay off their mortgages much faster through strategic use of their finances. It highlights positive reviews and testimonials from industry professionals about how the system truly helps people and prevents foreclosures. The document also outlines strategies for mortgage professionals to integrate and profit from the Money Merge Account system through increased business from both new and existing clients as well as greater referrals.
The document discusses the "Customer Experience Gap" faced by community banks and credit unions. This is the divide between rising customer expectations for digital and integrated financial experiences, and what these institutions currently offer. It notes big banks and fintech disruptors are pushing customer expectations higher. To overcome this gap, the document argues community banks must quickly enhance their digital offerings to provide personalized, consistent experiences across channels to attract and retain customers of all generations.
CHOOSING BETWEEN TWO ROADS: The Transactional Loan Officer vs. The Mortgage ...Mortgage Coach
Check out this white paper for 2005...some things of changed but many things are the same
CHOOSING BETWEEN TWO ROADS: The Transactional Loan Officer vs. The Mortgage Planner
As the refi market winds down, loan officers must make a decision: How are they going to generate new business going forward?
Will they stay in the transactional trap of the average originator – or break through to new levels of respect, referrals and residual commissions by becoming mortgage planners?
The document is a magazine for members of the Charity Finance Group (CFG) that includes the following articles:
1) An interview with the CEO of a charity discussing challenges in the sector like increasing commercial astuteness.
2) An article asking what social investment may look like after the upcoming UK general election.
3) Advice on using crowdfunding and social investment platforms.
4) Articles on whether rebranding investments are worthwhile and personal experiences with rebranding.
5) Insights from charity and auditor perspectives on choosing an auditor.
The document introduces Wealth Guidance Group and Raymond James, outlining their commitment to clients, team, process, and capabilities. It discusses planning for retirement and wealth protection, and highlights Raymond James' resources and advantages, including their focus on individual investors, size and stability, and account protection. The presentation aims to determine if a relationship would be mutually beneficial.
Are you ready for the Fast Future?
We have entered a period of exponential change. Recent research from the AICPA says that the business environment for CPAs and their clients will be characterized by “unprecedented, massive and highly accelerated change” through 2025. To thrive in this new age of hyper-change and growing uncertainty, it is now an imperative to learn a new competency–how to accurately anticipate the future. This session will show how to anticipate these trends and move from being a crisis manager to an opportunity manager. At the end of the session participants will set actionable steps to elevate and accelerate their organization’s strategy.
Presentation at the Wolters Kluwer CCH Users Conference in Las Vegas
This document provides information about Quicken Loans, a large mortgage lender. It details that Quicken Loans has over 10,000 employees across 4 offices, is the largest FHA direct underwriter operating in all 50 states, and funded over $83 billion in mortgages in 2013. The document also highlights several awards and rankings Quicken Loans has received for high customer satisfaction, being a best company to work for, and top workplace. It describes Quicken Loans' client-focused culture and emphasizes getting clients the right mortgage product to meet their goals.
Quick Fintech Marketing 101 for the financial technology startups & other sta...Emmanuel Omikunle
The document discusses some realities and challenges of marketing in the FinTech industry. It notes that FinTech marketing requires broad industry knowledge across financial services as regulations and technologies change rapidly. It also emphasizes the importance of content marketing, social media engagement, and understanding diverse cultures. Some challenges mentioned include heavy regulation, competition from incumbents, complexity of B2B sales, and difficulty measuring marketing effectiveness and ROI. Overall, the document provides an overview of current trends and considerations for FinTech startups in developing marketing strategies.
This document discusses how life insurance companies will need to adapt to changing consumer preferences and technological advances. Specifically:
- Life insurers will need to shift from solely product-focused selling to providing holistic financial planning based on clients' actual needs and requirements.
- Younger generations will research recommendations online and compare options virtually, requiring insurers to provide advice tailored to clients' specific needs rather than just pushing products.
- Insurers will have to conduct more in-depth financial needs analyses and offer customized product offerings and services to attract and retain customers in the increasingly digital landscape.
This document provides an overview of PayPal including its mission, products/services, users, and Dublin office. It outlines PayPal's hierarchy and performs a PEST analysis. It then discusses objectives, requirements, indicators, ideas/suggestions, and current projects. Key projects include improving the website/app, increasing customer feedback, hiring innovative designers, and updating security systems. The document acknowledges this is a student report on PayPal using fictional details.
Khai McBride - Mortgage Coach User Summit Mortgage Coach
The document discusses strategies for effective database marketing in the mortgage industry. It recommends being proactive in creating loan opportunities rather than waiting for them. Specific strategies include opportunity marketing by informing people of possibilities they did not know existed, and trend marketing by targeting audiences of other market trends. The document provides examples of trends like the home equity and credit report booms. It also outlines a client appreciation program that uses quarterly credit reviews and annual equity reviews to identify opportunities for existing clients around issues like debt consolidation, loan improvements, home remodeling or buying a second home. The key is to systematically offer value to one's entire database and affinity partners to create ongoing opportunities.
This document discusses how Andrew Adams uses Zillow to generate leads for his mortgage business. It provides details on Andrew's approach: he reads Zillow forums for 30 minutes daily, identifies relevant threads to follow, responds quickly to provide value, and uses this engagement to convert leads into clients. The document outlines Andrew's lead generation checklist and sales process, and emphasizes delivering obvious value to win business. It promotes trying Andrew's approach to generate weekly calls from engaged clients.
The document is a forecast from John C. Ziambras, President and CEO of AIMCOR Group, for the insurance carrier industry in 2016. He argues that the industry needs to change in order to remain successful, focusing on data, investing in new revenue-generating activities rather than preserving the past, and prioritizing consumer needs. Ziambras urges carriers to partner with and reward organizations that have long-term strategic visions, plans to enable new distribution over aggregation, focus on succession, and are willing to build value propositions for engaging future life insurance consumers.
The document discusses Experian's capabilities across its four global business lines:
1) Credit Services helps businesses make credit decisions and prevent fraud by managing credit data on individuals and businesses.
2) Decision Analytics unlocks insights from data through analytics and technology to help clients improve business performance.
3) Marketing Services helps brands connect with customers through customer profiling, data management, and multi-channel marketing campaigns.
4) Interactive helps consumers manage their financial lives through credit monitoring and identity protection products.
Enhancing Customer Engagement and Experience of Microinsurance in AfricaCGAP
The document summarizes a project conducted by CGAP, MicroEnsure, and Continuum to enhance customer engagement with microinsurance in Africa. The project used human-centered design techniques like interviews to understand customer perceptions in Kenya and Malawi. Key findings included customers' thirst for education, modest aspirations, distrust of insurance, and need for stability and growth support. Prototypes developed included an educational game on mobile phones and bundling small insurance premiums with airtime to make it affordable and engaging for customers. The goals were to increase MicroEnsure's understanding of customers and pilot new acquisition methods.
Professionstar is a one stop Information and Referral Assistance Service provider for people who need help with Loans, Job search, Credit & Debt, Fight Fraud and require assistance for the elderly living at home
Essay On Respect Your Elders In EnglishLisa Johnson
The document discusses the steps to get writing help from HelpWriting.net, including creating an account, submitting a request, reviewing bids from writers, choosing a writer, revising the paper if needed, and requesting revisions until satisfied. Writers are rated based on qualifications, order history, and feedback. Customers can get a full refund if plagiarism is found. HelpWriting.net aims to fully meet customer needs through this process.
Along with four other undergraduate students from Boston University, I created an advertising plan for Ameriprise Financial to reach the affluent ($500k-$5MM) class. Our group had two weeks to complete primary and secondary research and put together the presentation and leave-behind. This project was assigned in Account Management class taught by former Arnold Worldwide CEO John Verret.
Worked with a team from primary research to final campaign on a pitch for Ameriprise featuring a new target audience, with executions in video, print, digital, content, and grassroots outreach.
Lendinero is a company you can trust. Lendinero helps small businesses access capital by providing a low friction process. We have prepared this packet for new customers to assure that we can gain your vote of confidence when obtaining a business loan. Literally, all of our clients have increased return on investment by utilizing our funding channels. When selecting a business loan, Lendinero is your number one choice.
Will you help kill your 30 year Mortgage?payitearly
The document discusses the Money Merge Account system created by United First Financial that helps homeowners pay off their mortgages much faster through strategic use of their finances. It highlights positive reviews and testimonials from industry professionals about how the system truly helps people and prevents foreclosures. The document also outlines strategies for mortgage professionals to integrate and profit from the Money Merge Account system through increased business from both new and existing clients as well as greater referrals.
The document discusses the "Customer Experience Gap" faced by community banks and credit unions. This is the divide between rising customer expectations for digital and integrated financial experiences, and what these institutions currently offer. It notes big banks and fintech disruptors are pushing customer expectations higher. To overcome this gap, the document argues community banks must quickly enhance their digital offerings to provide personalized, consistent experiences across channels to attract and retain customers of all generations.
CHOOSING BETWEEN TWO ROADS: The Transactional Loan Officer vs. The Mortgage ...Mortgage Coach
Check out this white paper for 2005...some things of changed but many things are the same
CHOOSING BETWEEN TWO ROADS: The Transactional Loan Officer vs. The Mortgage Planner
As the refi market winds down, loan officers must make a decision: How are they going to generate new business going forward?
Will they stay in the transactional trap of the average originator – or break through to new levels of respect, referrals and residual commissions by becoming mortgage planners?
The document is a magazine for members of the Charity Finance Group (CFG) that includes the following articles:
1) An interview with the CEO of a charity discussing challenges in the sector like increasing commercial astuteness.
2) An article asking what social investment may look like after the upcoming UK general election.
3) Advice on using crowdfunding and social investment platforms.
4) Articles on whether rebranding investments are worthwhile and personal experiences with rebranding.
5) Insights from charity and auditor perspectives on choosing an auditor.
The document introduces Wealth Guidance Group and Raymond James, outlining their commitment to clients, team, process, and capabilities. It discusses planning for retirement and wealth protection, and highlights Raymond James' resources and advantages, including their focus on individual investors, size and stability, and account protection. The presentation aims to determine if a relationship would be mutually beneficial.
Are you ready for the Fast Future?
We have entered a period of exponential change. Recent research from the AICPA says that the business environment for CPAs and their clients will be characterized by “unprecedented, massive and highly accelerated change” through 2025. To thrive in this new age of hyper-change and growing uncertainty, it is now an imperative to learn a new competency–how to accurately anticipate the future. This session will show how to anticipate these trends and move from being a crisis manager to an opportunity manager. At the end of the session participants will set actionable steps to elevate and accelerate their organization’s strategy.
Presentation at the Wolters Kluwer CCH Users Conference in Las Vegas
This document provides information about Quicken Loans, a large mortgage lender. It details that Quicken Loans has over 10,000 employees across 4 offices, is the largest FHA direct underwriter operating in all 50 states, and funded over $83 billion in mortgages in 2013. The document also highlights several awards and rankings Quicken Loans has received for high customer satisfaction, being a best company to work for, and top workplace. It describes Quicken Loans' client-focused culture and emphasizes getting clients the right mortgage product to meet their goals.
Quick Fintech Marketing 101 for the financial technology startups & other sta...Emmanuel Omikunle
The document discusses some realities and challenges of marketing in the FinTech industry. It notes that FinTech marketing requires broad industry knowledge across financial services as regulations and technologies change rapidly. It also emphasizes the importance of content marketing, social media engagement, and understanding diverse cultures. Some challenges mentioned include heavy regulation, competition from incumbents, complexity of B2B sales, and difficulty measuring marketing effectiveness and ROI. Overall, the document provides an overview of current trends and considerations for FinTech startups in developing marketing strategies.
This document discusses how life insurance companies will need to adapt to changing consumer preferences and technological advances. Specifically:
- Life insurers will need to shift from solely product-focused selling to providing holistic financial planning based on clients' actual needs and requirements.
- Younger generations will research recommendations online and compare options virtually, requiring insurers to provide advice tailored to clients' specific needs rather than just pushing products.
- Insurers will have to conduct more in-depth financial needs analyses and offer customized product offerings and services to attract and retain customers in the increasingly digital landscape.
This document provides an overview of PayPal including its mission, products/services, users, and Dublin office. It outlines PayPal's hierarchy and performs a PEST analysis. It then discusses objectives, requirements, indicators, ideas/suggestions, and current projects. Key projects include improving the website/app, increasing customer feedback, hiring innovative designers, and updating security systems. The document acknowledges this is a student report on PayPal using fictional details.
Khai McBride - Mortgage Coach User Summit Mortgage Coach
The document discusses strategies for effective database marketing in the mortgage industry. It recommends being proactive in creating loan opportunities rather than waiting for them. Specific strategies include opportunity marketing by informing people of possibilities they did not know existed, and trend marketing by targeting audiences of other market trends. The document provides examples of trends like the home equity and credit report booms. It also outlines a client appreciation program that uses quarterly credit reviews and annual equity reviews to identify opportunities for existing clients around issues like debt consolidation, loan improvements, home remodeling or buying a second home. The key is to systematically offer value to one's entire database and affinity partners to create ongoing opportunities.
This document discusses how Andrew Adams uses Zillow to generate leads for his mortgage business. It provides details on Andrew's approach: he reads Zillow forums for 30 minutes daily, identifies relevant threads to follow, responds quickly to provide value, and uses this engagement to convert leads into clients. The document outlines Andrew's lead generation checklist and sales process, and emphasizes delivering obvious value to win business. It promotes trying Andrew's approach to generate weekly calls from engaged clients.
The document is a forecast from John C. Ziambras, President and CEO of AIMCOR Group, for the insurance carrier industry in 2016. He argues that the industry needs to change in order to remain successful, focusing on data, investing in new revenue-generating activities rather than preserving the past, and prioritizing consumer needs. Ziambras urges carriers to partner with and reward organizations that have long-term strategic visions, plans to enable new distribution over aggregation, focus on succession, and are willing to build value propositions for engaging future life insurance consumers.
The document discusses Experian's capabilities across its four global business lines:
1) Credit Services helps businesses make credit decisions and prevent fraud by managing credit data on individuals and businesses.
2) Decision Analytics unlocks insights from data through analytics and technology to help clients improve business performance.
3) Marketing Services helps brands connect with customers through customer profiling, data management, and multi-channel marketing campaigns.
4) Interactive helps consumers manage their financial lives through credit monitoring and identity protection products.
Enhancing Customer Engagement and Experience of Microinsurance in AfricaCGAP
The document summarizes a project conducted by CGAP, MicroEnsure, and Continuum to enhance customer engagement with microinsurance in Africa. The project used human-centered design techniques like interviews to understand customer perceptions in Kenya and Malawi. Key findings included customers' thirst for education, modest aspirations, distrust of insurance, and need for stability and growth support. Prototypes developed included an educational game on mobile phones and bundling small insurance premiums with airtime to make it affordable and engaging for customers. The goals were to increase MicroEnsure's understanding of customers and pilot new acquisition methods.
Professionstar is a one stop Information and Referral Assistance Service provider for people who need help with Loans, Job search, Credit & Debt, Fight Fraud and require assistance for the elderly living at home
Essay On Respect Your Elders In EnglishLisa Johnson
The document discusses the steps to get writing help from HelpWriting.net, including creating an account, submitting a request, reviewing bids from writers, choosing a writer, revising the paper if needed, and requesting revisions until satisfied. Writers are rated based on qualifications, order history, and feedback. Customers can get a full refund if plagiarism is found. HelpWriting.net aims to fully meet customer needs through this process.
Along with four other undergraduate students from Boston University, I created an advertising plan for Ameriprise Financial to reach the affluent ($500k-$5MM) class. Our group had two weeks to complete primary and secondary research and put together the presentation and leave-behind. This project was assigned in Account Management class taught by former Arnold Worldwide CEO John Verret.
Worked with a team from primary research to final campaign on a pitch for Ameriprise featuring a new target audience, with executions in video, print, digital, content, and grassroots outreach.
Lendinero is a company you can trust. Lendinero helps small businesses access capital by providing a low friction process. We have prepared this packet for new customers to assure that we can gain your vote of confidence when obtaining a business loan. Literally, all of our clients have increased return on investment by utilizing our funding channels. When selecting a business loan, Lendinero is your number one choice.
Critical Financial Literacy and Public PolicyNicole Newman
We will share info and resources about the ItAG sessions and continuing actions to build a curriculum that brings a critical approach to teaching financial literacy. We will not use comparison methods as a means of measurement. We will use language that empowers rather than destroys. We will use multiple meausrement tools for wealth.
This document discusses how BNP Paribas, a large French banking group, fosters relationships with technology startups through its innovation lab called L'Atelier. Specifically, it describes how L'Atelier provides office space and mentoring to Clearbon, a San Francisco startup in the local food sector, in order to help the startup succeed while also helping BNP learn about and potentially partner with innovative companies. Rather than direct investment, L'Atelier aims to collaborate with startups and support their growth through advice and proving they have a viable business model, with the goal of creating relationships that could benefit both parties.
This document summarizes the first 5 years of impact of Bankers Without Borders, an organization that harnesses business skills to help social entrepreneurs combat poverty. Some key points:
- They have served 126 clients in 36 countries, with most projects in finance, marketing, HR and technology. Clients report high satisfaction rates and appreciate extra support and skills learning.
- Over 1,600 volunteers have donated over 126,000 hours valued at $6.88M. Volunteers gain satisfaction from helping others and expanding networks, while also building skills like relationship building.
- Partner companies benefit from improved employee engagement, motivation and understanding of other cultures through sponsored volunteering opportunities.
- Moving forward, they aim
This document is the spring 2016 issue of On the Money magazine, which is written by teens for other teens to cover topics related to entrepreneurship, business, finance, and careers. The magazine includes articles on various money-related topics such as startup incubators, creativity in the workplace, entrepreneurship education, branding on social media, doctors as entrepreneurs, and more. It also includes profiles of student contributors, a letter from the City Treasurer of Chicago with money management tips, and information about the Economic Awareness Council nonprofit that produces the magazine.
The Complete Small Business Owner's Guide to Managing Money, Time, and TalenteCapital
This document provides tips and guidance for small business owners on managing money, time, and talent. It covers various topics:
1. Money management tips including having a business plan, marketing plan, cash on hand, and willingness to hire for weaknesses.
2. Time management tips such as organizing, prioritizing, focusing, and delegating. Getting time back involves minimizing distractions, avoiding low-value customers, and dedicating time each day to strategic planning.
3. Hiring tips including defining needs, affording employees, and knowing when to invest in top talent.
Throughout, it shares advice from experts on maintaining financial stability, leveraging technology, overcoming common mistakes, and boosting
Coinluck is a financial technology company focused on empowering individuals through opening up access to affordable and smart money services via the internet and mobile devices. They aim to create innovative and practical financial products for all by focusing on unmet demand and providing timely access to sound services. Coinluck operates on a peer-to-peer system rather than a centralized model, allowing users to be their own bank and directly connect to their financial networks in a more flexible and efficient manner.
Each response should be at least 200 words.Post Response # 1 He.docxmadlynplamondon
Each response should be at least 200 words.
Post Response # 1: Hey class, I would like to enlist the March of Dimes to assist with providing support for pregnant women and mothers of small children in my community. I love this organization because they believe that all babies deserve the best possible start. March of Dimes has been around for over 80 years and has helped millions of babies. They do allot to help educate people about best practices for expecting mothers and babies. When my close friend’s son was in the NICU, they helped provide her and her family comfort and support.
On Saturday, April 18th myself and three close friends will walk three miles at City Park to help to raise funds to support research, advocacy and programs for the health of all moms and babies. I did this last year as well and it was a blast! We bring our kids and come together to celebrate our experiences and beautiful children. It brings the community together and we help raise money.
CBO’s support the community. According to the U.S. Department of Education (2004), the term community-based organization (CBO) means “a public or private nonprofit organization of demonstrated effectiveness that (A) is representative of a community or significant segments of a community; and (B) provides educational or related services to individuals in the community.” Technology has become increasingly important to manage operations and develop solutions.
My Response:
Post Response 2: Hello Everyone, I have chosen the Autism Society as my community-based organization (CBO) to assist with providing services to autism in my community as this is an issue that hits close to home as a few of my friends have children with Autism. Living in small community Autism resources are not readily available as they are for cities at least 45 minutes or more away from our town. Shawano does, however, have an organization called Bridge the Gap, which does assist with this population. However, this is not enough. I would enlist the help of the Autism Society with funding to help this organization help even more people, provide services that are not yet available in the community, providing funding to not only the program but to families to afford these services and provide education for the community, among other items as well. The mission of the Autism Society of Greater Wisconsin is, “…to provide a community for individuals affected by autism, their families, and professionals who serve them. Our goal is to increase the quality of life for those affected by autism and respond to the emerging needs of the autism community” (Autism Society of Greater Wisconsin, 2020). With this mind, I would want these efforts to improve the lives of people and the families affected by autism by providing support, accurate information and resources, referrals, education, and community development. I would also enlist the help of community members and families affected by Autism to assist in writing lette ...
This document is a guide to understanding corporate credit and how to get business funding. It discusses what credit is, the importance of credit for businesses, and how to prepare a business to get corporate credit. The key steps are to incorporate the business, get an EIN and DUNS number, open business bank accounts, create a professional website, list the business phone number, ensure accurate contact information across platforms, get vendor credit, and maintain good personal credit. Following these steps makes a business appear more attractive to lenders.
Kiva is a non-profit organization that enables crowd-funded personal loans to borrowers around the world. Through its Kiva Zip program in the US, it provides loans to small businesses that may not qualify for traditional loans. The document discusses Kiva Zip's goal of expanding access to capital through social underwriting that evaluates borrowers' character and networks rather than just financial metrics. It encourages readers to become Trustees who can recommend eligible small business owners in their communities for Kiva Zip loans. Trustees are asked to evaluate borrowers' character, business, and social impact but have no financial liability. The program offers 0% interest loans up to $5,000 or $25,000 that are funded and communicated through Kiva
How Financial Institutions Can Capitalize on the Emotions of MoneyCognizant
Financial institutions can improve their customers' emotional connection to both fast and slow money by deploying digital experiences that blend human touch, automation, and AI. To do so, they must understand each customer's individual needs and provide continual guidance. Key recommendations include knowing customers thoroughly through consolidated data, building analytical models to identify important financial moments, providing digital education to improve financial literacy, designing simple and frictionless online experiences, and creating a digital-first organizational culture. This will allow banks to better address customers' emotional relationships with different types of money and maintain long-term relevance.
The document outlines the vision, mission, positioning statement, elevator pitch, and boilerplate of an organization called NerdWallet. Their vision is to provide financial freedom for all consumers by balancing consumer finance in their favor. Their mission is to change people's lives through financial education and empowerment so consumers can make informed choices. They aim to be the leading source of objective consumer finance information.
They have long been dominated by their bigger, more famous cousins but small and medium-sized agencies have fresh, new value proposition that makes them more viable competitors.
Zodiac Signs and Food Preferences_ What Your Sign Says About Your Tastemy Pandit
Know what your zodiac sign says about your taste in food! Explore how the 12 zodiac signs influence your culinary preferences with insights from MyPandit. Dive into astrology and flavors!
At Techbox Square, in Singapore, we're not just creative web designers and developers, we're the driving force behind your brand identity. Contact us today.
Event Report - SAP Sapphire 2024 Orlando - lots of innovation and old challengesHolger Mueller
Holger Mueller of Constellation Research shares his key takeaways from SAP's Sapphire confernece, held in Orlando, June 3rd till 5th 2024, in the Orange Convention Center.
At Techbox Square, in Singapore, we're not just creative web designers and developers, we're the driving force behind your brand identity. Contact us today.
Top mailing list providers in the USA.pptxJeremyPeirce1
Discover the top mailing list providers in the USA, offering targeted lists, segmentation, and analytics to optimize your marketing campaigns and drive engagement.
Best practices for project execution and deliveryCLIVE MINCHIN
A select set of project management best practices to keep your project on-track, on-cost and aligned to scope. Many firms have don't have the necessary skills, diligence, methods and oversight of their projects; this leads to slippage, higher costs and longer timeframes. Often firms have a history of projects that simply failed to move the needle. These best practices will help your firm avoid these pitfalls but they require fortitude to apply.
The Evolution and Impact of OTT Platforms: A Deep Dive into the Future of Ent...ABHILASH DUTTA
This presentation provides a thorough examination of Over-the-Top (OTT) platforms, focusing on their development and substantial influence on the entertainment industry, with a particular emphasis on the Indian market.We begin with an introduction to OTT platforms, defining them as streaming services that deliver content directly over the internet, bypassing traditional broadcast channels. These platforms offer a variety of content, including movies, TV shows, and original productions, allowing users to access content on-demand across multiple devices.The historical context covers the early days of streaming, starting with Netflix's inception in 1997 as a DVD rental service and its transition to streaming in 2007. The presentation also highlights India's television journey, from the launch of Doordarshan in 1959 to the introduction of Direct-to-Home (DTH) satellite television in 2000, which expanded viewing choices and set the stage for the rise of OTT platforms like Big Flix, Ditto TV, Sony LIV, Hotstar, and Netflix. The business models of OTT platforms are explored in detail. Subscription Video on Demand (SVOD) models, exemplified by Netflix and Amazon Prime Video, offer unlimited content access for a monthly fee. Transactional Video on Demand (TVOD) models, like iTunes and Sky Box Office, allow users to pay for individual pieces of content. Advertising-Based Video on Demand (AVOD) models, such as YouTube and Facebook Watch, provide free content supported by advertisements. Hybrid models combine elements of SVOD and AVOD, offering flexibility to cater to diverse audience preferences.
Content acquisition strategies are also discussed, highlighting the dual approach of purchasing broadcasting rights for existing films and TV shows and investing in original content production. This section underscores the importance of a robust content library in attracting and retaining subscribers.The presentation addresses the challenges faced by OTT platforms, including the unpredictability of content acquisition and audience preferences. It emphasizes the difficulty of balancing content investment with returns in a competitive market, the high costs associated with marketing, and the need for continuous innovation and adaptation to stay relevant.
The impact of OTT platforms on the Bollywood film industry is significant. The competition for viewers has led to a decrease in cinema ticket sales, affecting the revenue of Bollywood films that traditionally rely on theatrical releases. Additionally, OTT platforms now pay less for film rights due to the uncertain success of films in cinemas.
Looking ahead, the future of OTT in India appears promising. The market is expected to grow by 20% annually, reaching a value of ₹1200 billion by the end of the decade. The increasing availability of affordable smartphones and internet access will drive this growth, making OTT platforms a primary source of entertainment for many viewers.
Building Your Employer Brand with Social MediaLuanWise
Presented at The Global HR Summit, 6th June 2024
In this keynote, Luan Wise will provide invaluable insights to elevate your employer brand on social media platforms including LinkedIn, Facebook, Instagram, X (formerly Twitter) and TikTok. You'll learn how compelling content can authentically showcase your company culture, values, and employee experiences to support your talent acquisition and retention objectives. Additionally, you'll understand the power of employee advocacy to amplify reach and engagement – helping to position your organization as an employer of choice in today's competitive talent landscape.
Understanding User Needs and Satisfying ThemAggregage
https://www.productmanagementtoday.com/frs/26903918/understanding-user-needs-and-satisfying-them
We know we want to create products which our customers find to be valuable. Whether we label it as customer-centric or product-led depends on how long we've been doing product management. There are three challenges we face when doing this. The obvious challenge is figuring out what our users need; the non-obvious challenges are in creating a shared understanding of those needs and in sensing if what we're doing is meeting those needs.
In this webinar, we won't focus on the research methods for discovering user-needs. We will focus on synthesis of the needs we discover, communication and alignment tools, and how we operationalize addressing those needs.
Industry expert Scott Sehlhorst will:
• Introduce a taxonomy for user goals with real world examples
• Present the Onion Diagram, a tool for contextualizing task-level goals
• Illustrate how customer journey maps capture activity-level and task-level goals
• Demonstrate the best approach to selection and prioritization of user-goals to address
• Highlight the crucial benchmarks, observable changes, in ensuring fulfillment of customer needs
Part 2 Deep Dive: Navigating the 2024 Slowdownjeffkluth1
Introduction
The global retail industry has weathered numerous storms, with the financial crisis of 2008 serving as a poignant reminder of the sector's resilience and adaptability. However, as we navigate the complex landscape of 2024, retailers face a unique set of challenges that demand innovative strategies and a fundamental shift in mindset. This white paper contrasts the impact of the 2008 recession on the retail sector with the current headwinds retailers are grappling with, while offering a comprehensive roadmap for success in this new paradigm.
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2. Ideas that
build a better
tomorrow
Information drives our world. It brings people’s
dreams to life, helps businesses grow and creates
opportunities for society. Experian is dedicated to
using data and information to shape ideas and
develop world-changing products.
We live in an interdependent world where business
growth helps economies flourish, and that creates
opportunities to break down social barriers and give
more people a better tomorrow.
Ideas
that enable
life’s biggest
moments
06
Ideas
that help
businesses
grow
02
Experian | Ideas that build a better tomorrow
3. We never stop
searching for
new ideas
24
Ideas
that keep
you safe
10
Ideas
that help
society
14
Making
ideas
happen
18
Experian | Ideas that build a better tomorrow
01
4. Ideas
that help
businesses
grow
From preventing fraud to improving the customer
experience, Experian helps businesses integrate the
latest in data and technology, source the best new
customers, reduce risk and make smarter decisions.
“Serasa Experian
has helped us a lot.
Their support is
personalised and
they’ve helped us
reduce bad debt to
a record low of 0.2%.”
Jose
CEO of a Brazilian SME
Experian | Ideas that help businesses grow
02
5. Every year we
check that
182 million people
are who they say
they are
Helping combat fraud and
keeping prices down, to ensure
businesses stay competitive.
Every year, we
deliver more
than 1.7 billion
credit reports
Helping businesses to
assess and manage risk.
Experian | Ideas that help businesses grow
03
6. Working in
partnership
Working in collaboration
with businesses helps us
understand the best way
we can help them.
Banco Original, a Brazilian bank, asked
for a solution to help it make better
decisions about which customers to
lend to, which is key to its growth.
Instead of focusing on a single, specific
tool that would only work for a year
and ultimately be more expensive, we
mapped out everything they needed
and worked out what would really help.
We came up with a longer-term plan –
building a flexible collection of tools to
help Banco Original make decisions
fast, find new customers,
and lend to more of
the right people.
Creating the gold
data standard
To keep people safe, we need
accurate information.
Cleveland Police in the UK had thousands of inaccurate or
incorrect records. Linking data with the right person can be
crucial to make or break a case. We set up a new system called
Pandora. It took the old data, cleansed it using Experian data –
filling in gaps and adding new sources – merging thousands of
records. The result was the ‘Golden Nominal Database’ – data as
clean and accurate as you can get it. Now, the police can instantly
check suspects, get help to victims faster and keep people safer.
“Banks manage a lot of risk
and need help across multiple
business units, including
credit cards, auto loans and
mortgages. We find new ways to
use data to keep banks’ revenue
flowing, save them money and
help banking customers get a
better rate on their mortgage.”
Alexandra Siotos
Sr Director of the
Global Consulting Practice, Experian
Experian | Ideas that help businesses grow
04
7. Driving the
customer
experience
Supporting energy customers
through difficult situations to
deliver substantial savings.
npower, a UK energy company, wanted to help people avoid
financial difficulty and find a better way of helping those
who had fallen behind with their payments – stressful for
customers and costly for npower. Working together, we
analysed customer data and implemented a new system to
match customers to the right products from the outset, to
identify vulnerable customers and special cases so they can
be dealt with in the right way. By making use of consumer data
and understanding their customers better, npower improved
its customer experience and operational efficiency at every
stage of the customer journey.
No eggs or
chickens,
just credit
Small businesses need credit
to grow. We’re finding new
ways to help them source it.
Small businesses can struggle to obtain loans due
to a lack of credit data. It’s a classic chicken-and-
egg situation: it’s hard to get credit until you have a
credit history, and you can’t get a credit history until
someone grants you credit. By looking at the social
media activity a business attracts, sophistication
of its website traffic and customer reviews, we can
measure a small business’s stage of development,
how long it has been operating and how it is growing.
The result? Enhanced access to capital.
Connecting
companies all
over the world
“We’re working with companies in
Hong Kong, Taiwan and London at the
moment. To work with them, we need
information – for instance, we need to
know if they’re actually located where
they say they are. It’s really difficult to
get the rich, detailed analysis of data
you need, but Experian give us much
better data than any of our previous
credit research companies managed to.
They consult with us, and help us use
this data to get our business to a better
place. I’m very grateful for it – they’ve
added great value to our business.”
Mr Shinji Mutazono
Team Manager, SEGA Group Companies
Finance Department, SEGA Holdings Co., Ltd
Experian | Ideas that help businesses grow
05
8. Ideas that
enable life’s
biggest
moments
You might be buying a first car, getting a mortgage, sending
kids to college or starting a business. From households in
the USA, to farmers in Brazil, to entrepreneurs in India, we
enable millions of people to borrow money they need and
realise their ambitions.
We find new ways to help people take control of their
financial future, and help them plan for it. How do we do it?
By turning information into something that works for people.
Experian | Ideas that enable life’s biggest moments
06
9. Last year we spoke
with 8.5 million
people to help
them understand
their Experian credit
report and score
Enabling them to find new ways to
take control of their financial future,
and help them plan for it.
Our social innovation
programme has
helped 9 million
people to access
essential services
since launch in 2014
Experian | Ideas that enable life’s biggest moments
07
10. Young people often aren't interested in money but they
do want to know how to buy their first car. We help them
to reach their financial milestones by helping them
understand how to save money, get a secured card, build
their credit, and buy safely by protecting their identity.
Our Ambassador Programme
promotes financial literacy, with
employee volunteers going into their
local communities, including schools,
for face-to-face presentations.
Through this programme, as well as our online education
series and contributions to non-profit organisations,
we’re hoping to increase people’s understanding of
personal finance.
We want to help to equip people with the tools they need
to adjust to all of life’s events – from leaving school to
getting a job, from buying a first home to sending a kid
off to college – and help them make financial changes
that will positively benefit them and their families.
Giving couples the
tools to build a secure
financial future together
Experian doesn’t just make buying things easier, we help couples
plan for a secure future.
When you’re in a relationship or about to get married, building
a secure financial future is important – 59% of people in the
USA said that finances played a partial role in their divorce. With
access to your free Experian credit report and our online tools,
you're in control and able to make plans that keep you on track.
Helping high school
students become more
financially literate
“Buying a house is one of the
most important life events
for people, and applying for a
mortgage can be complicated
and time consuming. We are
working with lenders to simplify
this process and help people
see the mortgages they are
eligible for, before they make
a full application.”
Amir Goshtai
Managing Director of Propositions
and Partnerships, Experian
08
Experian | Ideas that enable life’s biggest moments
11. Many Colombians have no credit
history, thin credit files or bad
credit – so they struggle to qualify
for a mortgage, and fail to meet local
bank demands to get a government
subsidy. Banks have no choice but
to reject these ‘credit invisibles’.
Experian is helping to build credit
scores. Using traditional and
alternative data sources, we create
a more accurate credit picture, used
by lenders to make better decisions
when making loans.
Because of our work, more
Colombian families can fulfil their
dream of owning their own homes
and that’s huge.
Building credit
histories is the sort
of thing we do every
day at Experian.
Stress-free
credit
With the swipe of a finger,
you can order a car, find
a babysitter or make a
mortgage payment.
At the heart of this revolution is the smartphone –
97% of Americans between 18 and 44 own one. So
why can’t you apply for credit on your phone? You can
now. In the USA we’ve launched Text for Credit™, an
industry first, to help speed up the lending process at
major retailers, auto dealerships and airports. If you’re
in a shop and see something you like you can apply
by text for pre-approved credit to buy it, without the
hassle or potential embarrassment of applying at the
shop counter. We're harnessing the power of mobile
and real-time processing to make stress-free credit a
reality for you.
“In Italy, poor financial education
and heavy debt are common.
We created the RataTua app to
help people understand their
financial situation and credit so
they can plan for the future
before taking out another loan.”
Laura Ippolito
Experian Marketing
and Communications Manager, Italy
Making the impossible happen
In Colombia, a new programme helps low-income
people buy a first home.
Experian | Ideas that enable life’s biggest moments
09
12. Ideas that
keep you safe
Operating online exposes businesses and people
to fraud. Protecting your identity and your assets from
fraud is vital. Cyber crime is one of the fastest growing
hazards that comes with living in the digital age.
Cyber attacks, cyber thefts and computer security
threats can affect anyone online.
At Experian we are experts in developing new ways to
identify risks and tackle threats from data criminals.
We help to keep your money out of the wrong hands
and to protect your identity.
“The rapid progression of
wide-scale fraud and data
breaches have led to a
significant increase in
identity theft-related risk,
and potential fraud losses
on a larger scale than
ever anticipated.”
Charles Chung
President Strategic Growth Programs,
Experian North America
Experian | Ideas that keep you safe
10
13. We analyse more
than 3 million
identity transactions
each day
With 1 in 10 new applicants
using breached data, it’s
more important than ever
to use software that checks
for imposters.
Every year we
help more than
200,000 victims
of fraud
Of fraud attacks,
20% are against the
20–29 age group.
Experian | Ideas that keep you safe
11
14. Fraud prevention
software needs to
be multi-layered
and agile. It needs
to be easy to
integrate and
easy to update.
Medical identity
theft is one
of the fastest
growing areas
of identity fraud
in the USA
Keeping energy
bills down
by combating
energy theft
Criminals tap into electricity and gas networks to
artificially reduce their energy usage. Experian is working
with the UK’s major energy companies to crack down on
the fraudsters – combining data from the energy industry
with Experian data to identify residential and business
properties that may be stealing energy. This is helping
to reduce energy bills – and it is also reducing the risk of
fires and electric shocks.
It leaves its victims with little recourse for
recovery, as well as financial repercussions
and faulty information added to personal
medical files. Hackers acquire a patient’s
personal information – name, Social
Security number, health insurance number
– and then illegally obtain medical services
or devices, insurance reimbursements or
prescription drugs.
We’ve created a new tool to protect
patients’ online portals, making it easy for
patients to log in, but tough for criminals
to steal identities. And we’re launching a
Universal Identity Matching solution – a
unique PIN, like a Social Security number,
for your healthcare information.
In the UK, energy theft
costs the industry up
to £500m a year
Experian | Ideas that keep you safe
12
15. Protecting you
from the dangers
of the dark web
When it comes to protecting
your virtual identity,
no precaution is too great.
The dark web is a place you can’t see or access – it is also a
haven for cyber crime, identity fraud and hacking on financial
institutions and banks. Most people don’t know anything
about the dark web – other than it’s a bad place. Our dark
web monitoring and alerts help people to actively defend
themselves against the dark web and identity fraud.
Experian’s IdentityWorks monitors suspicious activity for
identity theft and fraud. And our experts guide consumers to
repair damage from identity hijacking and help shield them
from further issues.
Get the jump on
identity theft
Most people recognise that
identity theft is a problem but
don’t take steps to protect
themselves. Identity thieves
use data as their commodity,
selling it to the highest bidder,
so it’s important for people
to proactively protect their
personal data.
Experian | Ideas that keep you safe
13
16. Ideas that
help society
Millions of people around the
world have zero access to fair and
affordable services. Something
most of us take for granted.
We want to change that.
Increasing access to credit, improving healthcare, preventing crime,
supporting education and reducing poverty and homelessness – these
are all ways that Experian can help people to achieve a better life. As the
world’s largest credit bureau provider, we have a responsibility to use
data and our expertise responsibly. We are proud of our ideas to create
a better tomorrow – for everyone.
“When you’re from rural India
and have a slim credit history,
proving your identity may
be the only way to secure a
loan. By creating tools that
use biometrics to confirm
identification, I’m helping
people to secure financing
to support their families.”
Sreeram Upendran
Head of Products, Product Development, India
Experian | Ideas that help society
14
17. Experian MicroAnalytics
will have helped
150 million people
access finance by 2020
With 1.3 billion people living in extreme
poverty earning less than US$1.25 per day,
38% of the world’s population unbanked
and fewer than 1 in 5 people in emerging
markets able to access affordable credit,
there is still a lot more to be done.
Experian | Ideas that help society
15
18. Enabling access to credit
for millions of people
when they need it most
Life in rural and remote areas of developing countries can be
precarious, with incomes from farming dependent on the weather and
living standards often far below urban conditions. Access to banking
is limited, with few people having savings accounts or the means to
borrow, for example, just 19% of deposits in India come from rural
areas with 67% of the total population. Their credit reports may contain
little information and a form of identification may be the only way they
can verify their character to secure a loan.
Our Prove-ID technology, that uses biometrics and
credit data, means families in rural India can get
micro-loans for something as simple as buying a
sewing machine. And that could allow a single mother
of two to create a tailoring business and provide for
her family. Proving yourself means that not only can
you get a micro-loan, but it’s also a gateway to other
opportunities, like opening a bank account to start
saving, or obtaining insurance.
16
Experian | Ideas that help society
19. In Kenya, getting a loan can take weeks. It requires
an enormous amount of paperwork, while
potentially losing business. The process needed
to speed up so more people could thrive and
survive. We came up with a new system, so banking
customers can log onto a mobile banking app and
get their loan instantly. It creates a risk profile for
each client, enabling them to cut through the red
tape and piles of paperwork, giving more people
access to affordable loans.
Since we started, Experian MicroAnalytics has
helped banks in countries all over the world, and
millions of people can pay for whatever they need
in an easy way, make ends meet and keep their
business moving.
Cutting
through the
red tape
Financial access can get a
business off the ground.
“I am a single mother with
five children and have dreamt
about starting a sewing
business since I was 12.
Experian helped me
understand basic business
concepts, control money going
out and track my finances.
My dream became reality.”
Adriana
Participant in Seresa Experian’s
Soho Reais project, Sao Paulo
Supporting
refugees to
rebuild their lives
We are helping families with social
integration and financial education.
“When refugee camps in Bulgaria began welcoming
Syrian refugees, I went to help as a volunteer. I applied
for funding for Experian to work alongside the Refugee
Project to make a bigger, long-term impact on these
people and provide more refugees with the supplies
they need. We now run workshops for families who
wish to stay in Bulgaria, to provide financial education
and to help them open a bank account, learn how our
financial system works and give them the financial
information they need to rebuild their lives. It means
a lot to me to see what a difference we’re making and
how we’re changing lives. I love knowing our work is
helping people find a place to live, get a job and start
their own business.”
Elitsa Popova
Experian Senior Business Analyst, Bulgaria
17
Experian | Ideas that help society
20. Making
ideas
happen
Data powers the future. Used creatively and
responsibly, it can transform businesses, help
communities to prosper and people to thrive.
Developing ideas from data requires passion,
focus and dedication.
“What is most important to
understand about Experian’s
innovation portfolio is how it all works
together… Experian has become such
an uncommonly successful innovator
because it has been able to integrate
both disruptive and sustaining
innovations and power them both
through its active involvement in the
scientific community.”
Greg Satell
Mapping Innovation: A Playbook for
Navigating a Disruptive Age
Experian | Making ideas happen
18
21. We know people.
989 million to be exact
That’s how many people we hold historical
credit information on. So how do we
make sure it’s accurate? As we take in
vast amounts of data every day, from
thousands of sources, we use a unique
pinning technology to help make sure
that it goes onto the correct record of
each person, whether they are a J. Smith,
J.S. Smith, Joe Smith or Joseph Smith.
Ensuring high-quality, accurate data that
people and businesses can rely on.
For one company we
created a system that
runs more than
28 quintillion*
calculations and
leverages insights from
more than 5 billion
transactions
*That’s 28,000,000,000,000,000,000
in case you were wondering!
Experian | Making ideas happen
19
22. 90% of the
world’s data has
been created
over the past
two years
Experian helps people, businesses and organisations
make sense of the staggering amount of data out there.
According to IDC Research, digital data alone will grow
at a rate of 42% through 2020. We help build greater
understanding and insights, navigate through change,
overcome obstacles and seize opportunities. To help meet
these needs, we gather, analyse and experiment with
data and information. From that we create powerful, real
world applications – new products and technologies. Our
innovation makes amazing things happen and literally
transforms lives.
Our goal?
Helping our customers
secure a better, more
productive future
That’s why we put innovation at the forefront of what we do. We foster a collaborative,
creative environment at Experian, where employees are encouraged, motivated and given
the tools to succeed. And we’re honoured to be regularly recognised by Forbes as one of
the World’s Most Innovative Companies.
Experian | Making ideas happen
20
23. 537 data modellers,
engineers and
scientists work at
Experian – innovating,
creating and pushing
the boundaries,
every day
More than
two billion
people will use
their mobile
phones for
banking by 2021
How our people
are preparing for
the new world
It’s a brave new world out there – and
companies need to understand new
technologies, unorganised data, and what
new algorithms like machine learning can do.
Sometimes that means acting like a start-up. Experian
DataLabs in London, São Paulo and San Diego provide
such an independent environment.
This is where our scientists work alongside our clients
to experiment with new ways of analysing data,
testing how data will transform businesses in the
future and developing new approaches to business
problems. This approach is bearing fruit for our clients
across banking, mobile, social media and healthcare,
delivering them greater competitive advantage.
People want to protect their privacy. But they also want the benefits of
sharing their personal information with trusted organisations which
enable them to access credit and services at a fair and affordable rate.
We strive to find the right balance between protecting your data privacy
and using it to generate insights that can benefit people, businesses and
society. We only share data with organisations we believe are trusted and
authorised, and when doing so we follow strict guidelines and comply with
all relevant national laws.
We take our responsibility very seriously in managing vast amounts of
data, most of which relate to people’s finances. As a trusted steward of this
data, the security and integrity of our data handling are a top priority. Our
comprehensive information security programme reflects the sensitivity
of this information. We continually assess our data security strategy to
help us anticipate new threats and respond to them. Our security policies
support this work. These policies are based on recognised standards and
we regularly review them, striving to keep them fit for purpose.
How we balance privacy
and maintain security
Experian | Making ideas happen
21
24. Our values
drive our people
Our role in the world is increasingly important and
the impact we make can change things for the better.
Making change happen takes people
who want to make a real difference.
How we work is as important
as what we do
We have a unique and consistent way of
working globally; we call it ‘The Experian
Way’. It informs how our people act and
behave, which shapes our culture.
It’s defined across five key areas:
Collaborate to win
‘One Experian’ mindset –
we work as one united team
and use the combined strengths and
capabilities of our people, products and
services across teams, functions and
regions. This translates into seamless
experiences for our customers.
Innovate to grow
At Experian, it’s the responsibility of
each one of us to find opportunities
and improve the way we do things
to help our business and our
customers grow.
Safeguard our future
At Experian, each one of us
acts as a guardian for the
protection of data, information,
assets and our people to
safeguard our future.
Delight customers
At Experian, whether your
role brings you into contact with
customers directly or not, all of us
contribute to meeting customer needs.
At the heart of what we do are the
relationships we invest in
and nurture.
Value each other
We make Experian a great
place to work. We treat each
other with respect, trust
and integrity.
22
Experian | Making ideas happen
25. Credit Services
Simplifying complex credit
Businesses need to make smart decisions about consumer and
business credit quickly and effectively. They need to identify
customers, decide on loans, market to prospects and collect debt.
We have insights on close to 1 billion people and 111 million businesses,
and we create innovative solutions to power credit decisions around
the world.
Decision Analytics
Combining data and analytics with
the right software
Businesses need to minimise risk while delivering excellent customer
experience. The right software can help provide great customer insight
and faster decision-making, detect fraud and manage risk. Our Decision
Analytics tools use best-in-class technologies to help businesses across
their entire customer lifecycle.
Marketing Services
Bringing brands and customers closer
Finding and connecting with new customers and measuring their
response is key for modern brands to thrive. The right data can create an
authentic customer experience, through understanding what customers
want, what they are interested in and what they need. We provide
businesses with data-driven marketing insights to drive customer
acquisition, increase customer loyalty and build returns.
Consumer Services
Putting people in control of their credit
People want to improve their lives and plan for major life events, such
as buying a car or a house. We provide credit reports and scores, and
identity protection services to help people understand and protect
their financial position, and ranked personalised offers so they can
access credit which suits their needs. The more that people learn and
understand about credit, the more power they have to manage it and
make themselves eligible for better credit deals.
We work to support you
across four main areas
Credit Services
Consumer information
Business information
Health information
Automotive information
Decision Analytics
Software
Fraud and identity
Analytics
Consultancy
Marketing Services
Data quality
Targeting
Consumer Services
Australia
Brazil
Canada
China
Colom
bia/Peru/Venezuela
Denm
ark
France/Belgium
Germ
any/Austria/Sw
itzerland
India
Italy
Japan
M
alaysia
NetherlandsNorw
ay
Republic
ofIreland
Russia
Singapore
South
AfricaSpain
Sw
eden/Finland
Turkey
UAE/OtherM
iddle
East
United
Kingdom
USA
Third party or minority ownership
We offer local and multinational services to people, businesses and organisations
from offices in 37 countries.
23
Experian | Making ideas happen
26. We never stop
searching for
new ideas…
Every step we take is a leap towards helping someone
achieve their dreams.
We’re constantly investing in new technologies, talented
people, education and ground-breaking ways to create
a better tomorrow. There are so many opportunities for
us to help people, businesses and society to realise their
potential. We don’t accept things as they are. Our mission
is to create ideas that empower people and businesses.
“All data tells a story.
It identifies where a
company can change
to move forward.
It helps people secure an
affordable loan. It protects
identities by detecting
suspicious activity.”
Dr. Shanji Xiong
Chief Scientist at Experian’s DataLabs
24
Experian | We never stop searching for new ideas...
28. Experian
475 Anton Boulevard
Costa Mesa
CA 92626
United States
T +1 714 830 7000
F +1 714 830 2449
Operational
headquarters
Experian
The Sir John Peace Building
Experian Way
NG2 Business Park
Nottingham
NG80 1ZZ
United Kingdom
T +44 (0) 115 941 0888
F +44 (0) 115 828 6341
Serasa Experian
Alameda dos
Quinimuras, 187
CEP 04068-900
Planalto Paulista
São Paulo
Brazil
T +55 11 3373 7272
F +55 11 2847 9198
Corporate
headquarters
Experian plc
Newenham House
Northern Cross
Malahide Road
Dublin 17
D17 AY61
Ireland
T +353 (0) 1 846 9100
F +353 (0) 1 846 9150
Corporate
office
Experian
Cardinal Place
80 Victoria Street
London
SW1E 5JL
United Kingdom
T +44 (0) 20 304 24200
F +44 (0) 20 304 24250
For more information on Experian:
www.experianplc.com
organic revenue
growth 2017
volunteering hours
by our employees Benchmark EBIT
revenue 2017
Our numbers:
37countries worldwideemployees
16k
5%
39k US$1.2bn
US$4.3bn