Consumers rely on credit for purchases big and small. While some have robust credit files, others are still invisible and seeking ways to grow their credit presence so they can have access to loans, credit cards and beyond. What types of information and data will they share to grow their credit files? In an exclusive Experian survey, we asked consumers how they perceive alternative credit data sources. Here are the findings.
How do lenders perceive alternative credit data?Experian
Increasingly, lenders are assessing opportunities to leverage alternative credit data. How do they feel about it? Are they utilizing it today? What types of alternative credit data do they want to use? In our exclusive Experian survey, we asked lenders these questions and more. Here are the results.
How Alternative Credit Data Provides Lift in Your PortfolioExperian
What is alternative data and how does it differ from traditional credit data?
How can alternative data be used to maximize your portfolio?
Learn how to leverage this new data set to maximize profits in your business. We’ll cover the latest findings in lender and consumer perspectives on alternative credit data and ways to use alternative credit data across the customer lifecycle giving you a deeper view of the consumer.
Top Regulatory Insights for Fintechs & Financial InstitutionsExperian
We're breaking down the top regulatory insights you need to understand to prepare your compliance strategy for 2019 and beyond. Covering the latest information on upcoming regulations, including:
- Impact of CECL and how to prepare
- Priorities for the CFPB and House Financial Services Committee
- Must-know details of the Consumer Privacy Act of 2018
The term “alternative data” is tossed about in the industry, but what types of alternative data can truly be used when lenders want to make a credit decision? How can it be leveraged to help you grow your credit portfolio wisely? What insights can you glean to expand your consumer universe?
Uncover some of the latest trends attached to the non-prime universe and learn the latest around alternative credit data. This deck additionally explores how some of the newest attributes can benefit lenders of all sizes.
From underwriting to marketing and managing risk, and every business function in between, big data is valuable and integral to your commercial success. Experian’s latest technology innovation levels the playing field and fills the gaps in your data across all facets of your organization
Leveraging data, tech and analytics to improve collectionsExperian
Companies readily invest in acquisitions, but many do not invest in trying to improve their collections processes. Viewing collections as an omni-channel opportunity can have a significant impact on overall profitability and is an excellent opportunity to improve long-term customer loyalty. With the right data and technology, personalized collections are now a reality. This presentation addresses:
• The latest delinquency numbers
• New, sophisticated tools to digitize your efforts and enhance the customer experience
• Using data-driven decisioning to offer the right debt resolution options
• The benefits of a personalized, consistent experience across all channels
Digital Credit Marketing Best Practices and Trends WebinarExperian
Hear the latest from industry experts on how FIs are launching innovative campaigns to capture the elusive credit-qualified consumer. Learn: the latest trends in credit marketing lenders need to know, the digital channels that are gaining traction and how to gain a competitive advantage when promoting your lending products.
In the 21st century digital economy, consumers expect and demand a digital experience for the products and services they consume in the marketplace. To meet consumers’ needs and preferences, lenders are seeking out new innovative products that help deliver relevant credit offers across digital channels, whether via text, email, or social media. As the industry moves forward to provide these opportunities, recent news reports about privacy disclosures and data security have raised questions about the legal frameworks governing the delivery of credit offers in the digital space.
These slides feature content presented by Venable LLP’s eCommerce, Privacy, and Cybersecurity Practice Group on the regulatory environment surrounding credit marketing in the digital age. Venable practitioners review how the Fair Credit Reporting Act, Gramm Leach Bliley Act, and other laws apply in today’s world, including for credit offers made via text, email and social channels. It also reveals some common best practices that align with the expectations of the Federal Trade Commission.
How do lenders perceive alternative credit data?Experian
Increasingly, lenders are assessing opportunities to leverage alternative credit data. How do they feel about it? Are they utilizing it today? What types of alternative credit data do they want to use? In our exclusive Experian survey, we asked lenders these questions and more. Here are the results.
How Alternative Credit Data Provides Lift in Your PortfolioExperian
What is alternative data and how does it differ from traditional credit data?
How can alternative data be used to maximize your portfolio?
Learn how to leverage this new data set to maximize profits in your business. We’ll cover the latest findings in lender and consumer perspectives on alternative credit data and ways to use alternative credit data across the customer lifecycle giving you a deeper view of the consumer.
Top Regulatory Insights for Fintechs & Financial InstitutionsExperian
We're breaking down the top regulatory insights you need to understand to prepare your compliance strategy for 2019 and beyond. Covering the latest information on upcoming regulations, including:
- Impact of CECL and how to prepare
- Priorities for the CFPB and House Financial Services Committee
- Must-know details of the Consumer Privacy Act of 2018
The term “alternative data” is tossed about in the industry, but what types of alternative data can truly be used when lenders want to make a credit decision? How can it be leveraged to help you grow your credit portfolio wisely? What insights can you glean to expand your consumer universe?
Uncover some of the latest trends attached to the non-prime universe and learn the latest around alternative credit data. This deck additionally explores how some of the newest attributes can benefit lenders of all sizes.
From underwriting to marketing and managing risk, and every business function in between, big data is valuable and integral to your commercial success. Experian’s latest technology innovation levels the playing field and fills the gaps in your data across all facets of your organization
Leveraging data, tech and analytics to improve collectionsExperian
Companies readily invest in acquisitions, but many do not invest in trying to improve their collections processes. Viewing collections as an omni-channel opportunity can have a significant impact on overall profitability and is an excellent opportunity to improve long-term customer loyalty. With the right data and technology, personalized collections are now a reality. This presentation addresses:
• The latest delinquency numbers
• New, sophisticated tools to digitize your efforts and enhance the customer experience
• Using data-driven decisioning to offer the right debt resolution options
• The benefits of a personalized, consistent experience across all channels
Digital Credit Marketing Best Practices and Trends WebinarExperian
Hear the latest from industry experts on how FIs are launching innovative campaigns to capture the elusive credit-qualified consumer. Learn: the latest trends in credit marketing lenders need to know, the digital channels that are gaining traction and how to gain a competitive advantage when promoting your lending products.
In the 21st century digital economy, consumers expect and demand a digital experience for the products and services they consume in the marketplace. To meet consumers’ needs and preferences, lenders are seeking out new innovative products that help deliver relevant credit offers across digital channels, whether via text, email, or social media. As the industry moves forward to provide these opportunities, recent news reports about privacy disclosures and data security have raised questions about the legal frameworks governing the delivery of credit offers in the digital space.
These slides feature content presented by Venable LLP’s eCommerce, Privacy, and Cybersecurity Practice Group on the regulatory environment surrounding credit marketing in the digital age. Venable practitioners review how the Fair Credit Reporting Act, Gramm Leach Bliley Act, and other laws apply in today’s world, including for credit offers made via text, email and social channels. It also reveals some common best practices that align with the expectations of the Federal Trade Commission.
You might be quick to lump Millennials and Gen Z together. After all, both groups are young, tech-savvy and changing the way we shop, consume and save. But like all the generations before them, they are unique. Generation Z (also known as Centennials) is now 28% of the U.S. population, with 5% over the age of 18. Millennials, now the largest generation in the workforce, makes up about 19% of the U.S. population and are deep into making big money decisions as they launch families and careers. This presentation highlights how both groups are behaving in the credit space, illuminates if they embracing certain credit products and touches on how their credit scores are trending.
And most importantly, what do these discoveries and insights mean for lenders?
Proactively improve reporting access with data accuracy tools and best practicesExperian
Data furnishers are facing an ever-changing regulatory environment when it comes to reporting consumer credit data to the credit bureaus. In fact, according to a recent Experian study, 79% of financial institutions agree that increasing regulation has driven the need for better data analytics and management. In this presentation, understand how data furnishers are maximizing their potential through accuracy in data reporting, and how you can too.
4 best practices in digitizing mortgage verificationExperian
The journey to a mortgage is complex and expensive, so of course the transaction will require more than a few swipes on a smartphone. Underwriting a sizeable loan can take weeks with the task of collecting income and asset documents to analyze and verify. In fact, one source from the Mortgage Bankers Association says the average mortgage application has ballooned to 500 pages. With advancements in digital verification, lenders can dramatically accelerate the process, providing benefits to both their own operations and the consumer mortgage experience.
Must-Know Details About the Military Lending ActExperian
With enhancements made to the Military Lending Act and compliance required by October 2016, lenders must understand the changes and protections they must introduce to service the military credit consumer. This presentation reveals insights shared in an Experian-hosted webinar in August 2016.
Revolutionizing lending in today's digital worldExperian
Imagine a world where the lending journey is streamlined and aligned with today's innovative technologies. A world where income and asset verification happen real-time. No need to return to your customers and request even more paperwork to support their ability to pay. This presentation dives into how lenders can now bring financial data aggregation into the mainstream. With a simple interface, lenders can verify income and assets in minutes vs. days, leading to reduced processing times, improved revenue streams and higher customer satisfaction.
The Art and Science of Implementing Faster DecisioningExperian
Living in a digital world means consumers expect rapid responses - in all facets of their lives. How are credit unions living up to this challenge? Are they utilizing technology to auto-decision more loans? This presentation reviews the current state and provides insights into how more financial companies can speed up their decisioning process to better service customers and become more efficient.
How lenders can capitalize on the growth in personal loansExperian
Personal loan originations have returned to pre-recession levels with sustained year-over-year growth around 20% for multiple years. Meanwhile, delinquency rates remain at historic lows and demand has been met by increased liquidity amid a low-rate environment. If you’ve been riding the wave, take note: there are signs indicating growth is leveling off. How can lenders become more efficient in finding personal loan prospects going forward to sustain growth? And if you are a lender looking to enter the personal loan space, what steps should you take to assess the marketplace and seek out the right opportunities? Learn more in this slideshare presentation.
5 steps to boost your accuracy in data reportingExperian
According to a recent Experian Data Quality study, 90% of financial institutions believe increasing regulation has driven their need for better data analytics and management. So how do you boost data accuracy - especially when it comes to reporting quality data to the bureaus? This deck reveals best practices, as well as solutions to consider when striving to improve your data reporting.
Post-Election 2016: What's on the horizon for the financial services industry?Experian
Election season is over, and for the first time in eight years we will have a new administration in the White House. So what’s in store for the financial services space? This presentation reveals insights from experts in Washington on what to expect from regulators over the next year.
Every lender must make the decision on whether or not to report credit data. Furnishing data to the credit bureaus is still voluntary, but there are a number of reasons to embrace this action as a lender. Here are five reasons to consider if you are on the fence about becoming a data furnisher.
The Positive Impact of Utility Credit Reporting WebinarExperian
Learn the importance and positive impact of utility data reporting. Experian will share what alternative data encompasses, how the new trade data is added, and specifically how energy, utility, and water companies can assist in improving their customers’ credit score. We’ll also walk you through the resources and support available.
You will get an inside look at the positive impact of alternative data reporting and learn how to:
•Improve collections
•Bolster credit profiles
•Positively impact credit scores
•Effectively assist your customers
On June 21st, PwC’s Health Research Institute (HRI) released its annual Medical Cost Trend: Behind the Numbers 2017 report. PwC’s HRI anticipates a 6.5% growth rate for 2017—the same as was projected for 2016. The report identifies the key inflators and deflators as well as historical context to better understand the medical cost trend for 2017. Increases in the trend due to utilization of convenient care access points and an uptick in behavioral healthcare benefits for employees are being offset by more aggressive strategies by pharmacy benefit
Experian Millennial Credit & Finance Survey Report Part I of IIExperian_US
Experian releases the first of two reports originating from a survey of more than 1,000 millennials, ages 19-34, about a variety of personal finance topics – from their future views, to loan status, to credit knowledge, to use of technology. The survey follows a July 2015 report from Experian that analyzed credit bureau data and placed millennials last in generational credit score rankings.
Read the attached article and answer the following questions, chec.docxmakdul
Read the attached article and answer the following questions, check you calendar for due date:
1. Fully explain what steps are taken and how they determine a person's credit score?
2. Fully explain how and why insurance companies use your credit information?
3. Fully explain the Fair Credit Reporting Act and how it helps consumers?
4. Fully explain at least 3 things that you can do to strengthen your credit score? How does each help strengthen your score?
You should perform some additional research on your own to get a true background on the assignment. Remember to document your sources and state that it is your opinion if presenting that.
Need Credit or Insurance?
Your Credit Score Helps Determine What You’ll Pay
Information about you and your credit experi-
ences, like your bill-paying history, the number
and type of accounts you have, whether you pay
your bills by the date they’re due, collection actions,
outstanding debt, and the age of your accounts, is
collected from your credit report. Using a statisti-
cal program, creditors compare this information to
the loan repayment history
of consumers with similar
profiles. For example, a
credit scoring system awards
points for each factor that
helps predict who is most
likely to repay a debt. A
total number of points — a credit score — helps
predict how creditworthy you are — how likely it is
that you will repay a loan and make the payments
when they’re due.
Some insurance companies also use credit re-
port information, along with other factors, to help
predict your likelihood of filing an insurance claim
and the amount of the claim. They may consider
these factors when they decide whether to grant
you insurance and the amount of the premium they
charge. The credit scores insurance companies use
sometimes are called “insurance scores” or “credit-
based insurance scores.”
July 2007
Ever wonder how a lender decides whether to grant you credit? For years, creditors have
been using credit scoring systems to determine if
you’d be a good risk for credit cards, auto loans,
and mortgages. These days, many more types of
businesses — including insurance companies and
phone companies — are using credit scores to decide
whether to approve you for a
loan or service and on what
terms. Auto and homeown-
ers insurance companies
are among the businesses
that are using credit scores
to help decide if you’d be a
good risk for insurance. A higher credit score means
you are likely less of a risk, and in turn, means you
will be more likely to get credit or insurance — or
pay less for it.
The Federal Trade Commission (FTC), the
nation’s consumer protection agency, wants you to
know how credit scoring works.
What is credit scoring?
Credit scoring is a system creditors use to help deter-
mine whether to give you credit. It also may be used
to help decide the terms you are offered or the rate
you will pay for the loan.
The FTC wants you to know
how credit sc ...
A Very informative and detailed explanation of what your credit rights are, what your credit score means, and United Credit Education Services Company overview and procedures.
You might be quick to lump Millennials and Gen Z together. After all, both groups are young, tech-savvy and changing the way we shop, consume and save. But like all the generations before them, they are unique. Generation Z (also known as Centennials) is now 28% of the U.S. population, with 5% over the age of 18. Millennials, now the largest generation in the workforce, makes up about 19% of the U.S. population and are deep into making big money decisions as they launch families and careers. This presentation highlights how both groups are behaving in the credit space, illuminates if they embracing certain credit products and touches on how their credit scores are trending.
And most importantly, what do these discoveries and insights mean for lenders?
Proactively improve reporting access with data accuracy tools and best practicesExperian
Data furnishers are facing an ever-changing regulatory environment when it comes to reporting consumer credit data to the credit bureaus. In fact, according to a recent Experian study, 79% of financial institutions agree that increasing regulation has driven the need for better data analytics and management. In this presentation, understand how data furnishers are maximizing their potential through accuracy in data reporting, and how you can too.
4 best practices in digitizing mortgage verificationExperian
The journey to a mortgage is complex and expensive, so of course the transaction will require more than a few swipes on a smartphone. Underwriting a sizeable loan can take weeks with the task of collecting income and asset documents to analyze and verify. In fact, one source from the Mortgage Bankers Association says the average mortgage application has ballooned to 500 pages. With advancements in digital verification, lenders can dramatically accelerate the process, providing benefits to both their own operations and the consumer mortgage experience.
Must-Know Details About the Military Lending ActExperian
With enhancements made to the Military Lending Act and compliance required by October 2016, lenders must understand the changes and protections they must introduce to service the military credit consumer. This presentation reveals insights shared in an Experian-hosted webinar in August 2016.
Revolutionizing lending in today's digital worldExperian
Imagine a world where the lending journey is streamlined and aligned with today's innovative technologies. A world where income and asset verification happen real-time. No need to return to your customers and request even more paperwork to support their ability to pay. This presentation dives into how lenders can now bring financial data aggregation into the mainstream. With a simple interface, lenders can verify income and assets in minutes vs. days, leading to reduced processing times, improved revenue streams and higher customer satisfaction.
The Art and Science of Implementing Faster DecisioningExperian
Living in a digital world means consumers expect rapid responses - in all facets of their lives. How are credit unions living up to this challenge? Are they utilizing technology to auto-decision more loans? This presentation reviews the current state and provides insights into how more financial companies can speed up their decisioning process to better service customers and become more efficient.
How lenders can capitalize on the growth in personal loansExperian
Personal loan originations have returned to pre-recession levels with sustained year-over-year growth around 20% for multiple years. Meanwhile, delinquency rates remain at historic lows and demand has been met by increased liquidity amid a low-rate environment. If you’ve been riding the wave, take note: there are signs indicating growth is leveling off. How can lenders become more efficient in finding personal loan prospects going forward to sustain growth? And if you are a lender looking to enter the personal loan space, what steps should you take to assess the marketplace and seek out the right opportunities? Learn more in this slideshare presentation.
5 steps to boost your accuracy in data reportingExperian
According to a recent Experian Data Quality study, 90% of financial institutions believe increasing regulation has driven their need for better data analytics and management. So how do you boost data accuracy - especially when it comes to reporting quality data to the bureaus? This deck reveals best practices, as well as solutions to consider when striving to improve your data reporting.
Post-Election 2016: What's on the horizon for the financial services industry?Experian
Election season is over, and for the first time in eight years we will have a new administration in the White House. So what’s in store for the financial services space? This presentation reveals insights from experts in Washington on what to expect from regulators over the next year.
Every lender must make the decision on whether or not to report credit data. Furnishing data to the credit bureaus is still voluntary, but there are a number of reasons to embrace this action as a lender. Here are five reasons to consider if you are on the fence about becoming a data furnisher.
The Positive Impact of Utility Credit Reporting WebinarExperian
Learn the importance and positive impact of utility data reporting. Experian will share what alternative data encompasses, how the new trade data is added, and specifically how energy, utility, and water companies can assist in improving their customers’ credit score. We’ll also walk you through the resources and support available.
You will get an inside look at the positive impact of alternative data reporting and learn how to:
•Improve collections
•Bolster credit profiles
•Positively impact credit scores
•Effectively assist your customers
On June 21st, PwC’s Health Research Institute (HRI) released its annual Medical Cost Trend: Behind the Numbers 2017 report. PwC’s HRI anticipates a 6.5% growth rate for 2017—the same as was projected for 2016. The report identifies the key inflators and deflators as well as historical context to better understand the medical cost trend for 2017. Increases in the trend due to utilization of convenient care access points and an uptick in behavioral healthcare benefits for employees are being offset by more aggressive strategies by pharmacy benefit
Experian Millennial Credit & Finance Survey Report Part I of IIExperian_US
Experian releases the first of two reports originating from a survey of more than 1,000 millennials, ages 19-34, about a variety of personal finance topics – from their future views, to loan status, to credit knowledge, to use of technology. The survey follows a July 2015 report from Experian that analyzed credit bureau data and placed millennials last in generational credit score rankings.
Read the attached article and answer the following questions, chec.docxmakdul
Read the attached article and answer the following questions, check you calendar for due date:
1. Fully explain what steps are taken and how they determine a person's credit score?
2. Fully explain how and why insurance companies use your credit information?
3. Fully explain the Fair Credit Reporting Act and how it helps consumers?
4. Fully explain at least 3 things that you can do to strengthen your credit score? How does each help strengthen your score?
You should perform some additional research on your own to get a true background on the assignment. Remember to document your sources and state that it is your opinion if presenting that.
Need Credit or Insurance?
Your Credit Score Helps Determine What You’ll Pay
Information about you and your credit experi-
ences, like your bill-paying history, the number
and type of accounts you have, whether you pay
your bills by the date they’re due, collection actions,
outstanding debt, and the age of your accounts, is
collected from your credit report. Using a statisti-
cal program, creditors compare this information to
the loan repayment history
of consumers with similar
profiles. For example, a
credit scoring system awards
points for each factor that
helps predict who is most
likely to repay a debt. A
total number of points — a credit score — helps
predict how creditworthy you are — how likely it is
that you will repay a loan and make the payments
when they’re due.
Some insurance companies also use credit re-
port information, along with other factors, to help
predict your likelihood of filing an insurance claim
and the amount of the claim. They may consider
these factors when they decide whether to grant
you insurance and the amount of the premium they
charge. The credit scores insurance companies use
sometimes are called “insurance scores” or “credit-
based insurance scores.”
July 2007
Ever wonder how a lender decides whether to grant you credit? For years, creditors have
been using credit scoring systems to determine if
you’d be a good risk for credit cards, auto loans,
and mortgages. These days, many more types of
businesses — including insurance companies and
phone companies — are using credit scores to decide
whether to approve you for a
loan or service and on what
terms. Auto and homeown-
ers insurance companies
are among the businesses
that are using credit scores
to help decide if you’d be a
good risk for insurance. A higher credit score means
you are likely less of a risk, and in turn, means you
will be more likely to get credit or insurance — or
pay less for it.
The Federal Trade Commission (FTC), the
nation’s consumer protection agency, wants you to
know how credit scoring works.
What is credit scoring?
Credit scoring is a system creditors use to help deter-
mine whether to give you credit. It also may be used
to help decide the terms you are offered or the rate
you will pay for the loan.
The FTC wants you to know
how credit sc ...
A Very informative and detailed explanation of what your credit rights are, what your credit score means, and United Credit Education Services Company overview and procedures.
Understanding Your Credit Report and ScoreSpringboard
Information about what’s on a credit report, how it gets there, how a credit score is calculated, and how to develop good financial habits. Understanding credit and knowing where you stand are vital to protecting yourself from predatory lending by unqualified or unscrupulous lenders offering costly or unstable loan products.
Experian Millennial Credit & Finance Survey Report Part IIExperian_US
Experian® has released additional findings from a national survey among more than 1,000 millennials, ages 19 to 34, showing that this generation struggles with using credit as a tool to enhance their lives. This struggle can be attributed to unawareness of credit terms and conditions and a mixed attitude regarding credit cards. A majority (64 percent) of survey respondents consider them “dangerous,” while almost 30 percent have maxed out a card.
VR-Tech Home Based Business Opportunity, VR-Tech Marketing Group Credit Restoration Services, VR-Tech Marketing Group Prepaid Account now Master Card, VR-Tech Marketing Group Auto Loans, VR-Tech Marketing Group My Care Plan and VR-Tech Marketing Group Ultra Score
Understanding financial consumersretail banking, digital banking, omni-channe...CGI
More than 70% of consumers would consider switching banks for better reward services and 81% of consumers cite it as their top want. How can banks meet this demand? Read CGI’s recommendations in our bank consumer survey report http://bit.ly/1nvlQ6N
Understanding your credit.Why is important to understand your credit, how to create a behavior to maintain control over your score.Good Credit is less debts
How can Belgian insurers improve customer satisfaction? The results of our 2020 Consumer Insurance #MarketPulseSurvey are out ! Discover our 3 recommendations.
Understanding Gen Z: How will they shape the world of credit and consumerism?Experian
Gen Z already makes up ¼ of the U.S. population – and the oldest members are already establishing credit. So what is their purchasing power? How are they engaging with digital? What insights are we already learning about them in regards to credit? Get a quick synopsis of newest generation by accessing our latest slideshare.
Generation Z is the demographic cohort following the Millennials. There are no precise dates for when the Gen Z cohort begins or ends; but the oldest members of Gen Z (18 to 20 years old) are now officially joining the credit ranks. Gain a first look at how Gen Z compares to other generations in the world of credit. How are they managing debt? What do their credit scores look like? What tradelines are they opening? How are they behaving in the auto and mortgage space? What is happening in regards to student lending? It is said Gen Z will be larger in population size than the Millennials, so now is the time to understand how they approach credit, and how lenders should approach them.
Credit Marketing Strategies to Capture Today's Digital ConsumerExperian
Consumers look at their smartphones an average 150 times per day. They are active on multiple social media platforms. Many consistently make online purchases. We live in a digital world, but is your credit-based marketing keeping up with the times? This slideshare reveals the latest trends and insights regarding consumer engagement with credit offers. Are consumers responding to direct mail, email or something else in the financial services space? Learn about insights specific to credit offers and how consumers are responding via various digital channels. Discover the latest channels financial marketers can leverage when delivering firm offers of credit.
Understand best practices to capture eyes on your financial offers and maximize your marketing spend.
We live in a digital world, but has business' debt collections practices embraced this new medium? Discover the latest trends in the collections space - from mobile to virtual agents.
Discover which U.S. states and cities scored best in Experian's 2016 "State of Credit." The 7th annual study explores consumer credit scores across the country.
Learn about the top 5 trends and twists all financial services companies should be monitoring and embracing in 2017. From the transition to a Trump presidency to digital credit marketing to threats of fraud as the result of loan stacking, dig into the details here.
Millennials, now the largest living generation, are coming of age and entering those big life moments. College graduations, first jobs, getting married and moving out. But what about home ownership? Do Millennials want to buy real estate? Can they? This presentation reveals new insights pulled from both Experian and Freddie Mac.
Summer Sizzle for Vehicle Sales: Trends, Insights and Tips to CapitalizeExperian
Summer is often a peak season for auto sales. Dive into the latest data and insights to see how consumers are financing, average term and loan amount, as well as which lenders are capturing share.
Protecting and Serving Military Credit ConsumersExperian
Explore Experian's military lending insights to learn how to serve this audience, adhering to laws such as the Military Lending Act (MLA) and the Servicemembers Civil Relief Act (SCRA). Get updated on best practices and solutions to manage every aspect of the military credit journey.
With 2016 underway – and a constant need to stay atop the ever-changing regulatory environment – make sure you are aware of the primary topics the Consumer Financial Protection Bureau (CFPB) and financial regulators will focus on this year.
Among the hot topics, we’ll touch on rulemaking that will impact:
Data quality
Military Lending
Alternative data
Access to credit
Do you contact your consumers by phone? You might only reach out to them occasionally – to inquire about a late payment or a change in the account. Still, calling your consumers – even once – means you must also adhere to the regulations established by the Telephone Consumer Protection Act (TCPA). Failure to follow the rules can result in per instance fines as high as $1,500. In this presentation, we'll address the top 10 TCPA questions in the industry with expert responses.
State of Credit 2015: How Does Your State Rank?Experian
Dive into the latest stats, delivered by Experian, providing national insights into the nation's "state of credit." The 6th annual study ranks top and bottom cities, and introduces a new element, of political preference of ranked cities.
Opendatabay - Open Data Marketplace.pptxOpendatabay
Opendatabay.com unlocks the power of data for everyone. Open Data Marketplace fosters a collaborative hub for data enthusiasts to explore, share, and contribute to a vast collection of datasets.
First ever open hub for data enthusiasts to collaborate and innovate. A platform to explore, share, and contribute to a vast collection of datasets. Through robust quality control and innovative technologies like blockchain verification, opendatabay ensures the authenticity and reliability of datasets, empowering users to make data-driven decisions with confidence. Leverage cutting-edge AI technologies to enhance the data exploration, analysis, and discovery experience.
From intelligent search and recommendations to automated data productisation and quotation, Opendatabay AI-driven features streamline the data workflow. Finding the data you need shouldn't be a complex. Opendatabay simplifies the data acquisition process with an intuitive interface and robust search tools. Effortlessly explore, discover, and access the data you need, allowing you to focus on extracting valuable insights. Opendatabay breaks new ground with a dedicated, AI-generated, synthetic datasets.
Leverage these privacy-preserving datasets for training and testing AI models without compromising sensitive information. Opendatabay prioritizes transparency by providing detailed metadata, provenance information, and usage guidelines for each dataset, ensuring users have a comprehensive understanding of the data they're working with. By leveraging a powerful combination of distributed ledger technology and rigorous third-party audits Opendatabay ensures the authenticity and reliability of every dataset. Security is at the core of Opendatabay. Marketplace implements stringent security measures, including encryption, access controls, and regular vulnerability assessments, to safeguard your data and protect your privacy.
Levelwise PageRank with Loop-Based Dead End Handling Strategy : SHORT REPORT ...Subhajit Sahu
Abstract — Levelwise PageRank is an alternative method of PageRank computation which decomposes the input graph into a directed acyclic block-graph of strongly connected components, and processes them in topological order, one level at a time. This enables calculation for ranks in a distributed fashion without per-iteration communication, unlike the standard method where all vertices are processed in each iteration. It however comes with a precondition of the absence of dead ends in the input graph. Here, the native non-distributed performance of Levelwise PageRank was compared against Monolithic PageRank on a CPU as well as a GPU. To ensure a fair comparison, Monolithic PageRank was also performed on a graph where vertices were split by components. Results indicate that Levelwise PageRank is about as fast as Monolithic PageRank on the CPU, but quite a bit slower on the GPU. Slowdown on the GPU is likely caused by a large submission of small workloads, and expected to be non-issue when the computation is performed on massive graphs.
Techniques to optimize the pagerank algorithm usually fall in two categories. One is to try reducing the work per iteration, and the other is to try reducing the number of iterations. These goals are often at odds with one another. Skipping computation on vertices which have already converged has the potential to save iteration time. Skipping in-identical vertices, with the same in-links, helps reduce duplicate computations and thus could help reduce iteration time. Road networks often have chains which can be short-circuited before pagerank computation to improve performance. Final ranks of chain nodes can be easily calculated. This could reduce both the iteration time, and the number of iterations. If a graph has no dangling nodes, pagerank of each strongly connected component can be computed in topological order. This could help reduce the iteration time, no. of iterations, and also enable multi-iteration concurrency in pagerank computation. The combination of all of the above methods is the STICD algorithm. [sticd] For dynamic graphs, unchanged components whose ranks are unaffected can be skipped altogether.
Adjusting primitives for graph : SHORT REPORT / NOTESSubhajit Sahu
Graph algorithms, like PageRank Compressed Sparse Row (CSR) is an adjacency-list based graph representation that is
Multiply with different modes (map)
1. Performance of sequential execution based vs OpenMP based vector multiply.
2. Comparing various launch configs for CUDA based vector multiply.
Sum with different storage types (reduce)
1. Performance of vector element sum using float vs bfloat16 as the storage type.
Sum with different modes (reduce)
1. Performance of sequential execution based vs OpenMP based vector element sum.
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1. Comparing various launch configs for CUDA based vector element sum (in-place).