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 do consumers feel about alternative credit data?Experian
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 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.
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.
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.
How do consumers feel about alternative credit data?Experian
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 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.
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.
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.
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.
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.
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
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.
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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.
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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.
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.
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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.
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.
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.
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.
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
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.
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.
Fixing the Insurance Industry: How Big Data can Transform Customer SatisfactionCapgemini
Insurers are facing a moment of truth. Customer satisfaction levels have hit worryingly low levels. According to a survey conducted by Capgemini in 2014, less than a third of customers globally are satisfied with the services of their insurance providers. Traditional insurers also face competition from new entrants who are determined to meet customer expectations. Non-traditional competitors, such as ecommerce majors and technology startups, are leveraging their data-rich customer interactions to create and sell insurance products.
Surprisingly, insurers seem to have overlooked the impact of Big Data on improving customer experience as they often focus their Big Data efforts on detecting fraudulent claims and improving underwriting profitability. In fact, only 12% of insurers consider the enhancement of customer experience as a top Big Data priority. This is startling given the poor levels of customer satisfaction in the insurance industry. In this research, we examine how insurers can effectively leverage customer data to improve customer satisfaction.
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Survey results from the 2016 IT Disaster Recovery Planning and Preparedness Survey | Bluelock commissioned with ALM to asses the current state of the legal industry's IT disaster recovery (DR) preparedness, pressures and confidence.
3 Ways Covid-19 Changed Shared Services and how to Prepare for What's NextSarah Fane
Remote working, changes to Standard Operating Procedures and disrupted anti-fraud processes have created new vulnerabilities. This report looks at what is behind a rise in phishing and fraud attempts and how shared services are responding to a decrease in working capital.
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.
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.
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
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.
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.
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.
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.
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.
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.
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.
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.
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
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.
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.
Fixing the Insurance Industry: How Big Data can Transform Customer SatisfactionCapgemini
Insurers are facing a moment of truth. Customer satisfaction levels have hit worryingly low levels. According to a survey conducted by Capgemini in 2014, less than a third of customers globally are satisfied with the services of their insurance providers. Traditional insurers also face competition from new entrants who are determined to meet customer expectations. Non-traditional competitors, such as ecommerce majors and technology startups, are leveraging their data-rich customer interactions to create and sell insurance products.
Surprisingly, insurers seem to have overlooked the impact of Big Data on improving customer experience as they often focus their Big Data efforts on detecting fraudulent claims and improving underwriting profitability. In fact, only 12% of insurers consider the enhancement of customer experience as a top Big Data priority. This is startling given the poor levels of customer satisfaction in the insurance industry. In this research, we examine how insurers can effectively leverage customer data to improve customer satisfaction.
Legal Firms and the Struggle to Protect Sensitive DataBluelock
Survey results from the 2016 IT Disaster Recovery Planning and Preparedness Survey | Bluelock commissioned with ALM to asses the current state of the legal industry's IT disaster recovery (DR) preparedness, pressures and confidence.
Legal Firms and the Struggle to Protect Sensitive DataKayla Catron
Survey results from the 2016 IT Disaster Recovery Planning and Preparedness Survey | Bluelock commissioned with ALM to asses the current state of the legal industry's IT disaster recovery (DR) preparedness, pressures and confidence.
3 Ways Covid-19 Changed Shared Services and how to Prepare for What's NextSarah Fane
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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.
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In the face of escalating global tensions, particularly those emanating from geopolitical disputes with nations like hashtag#Russia and hashtag#China, hashtag#Germany has witnessed a significant uptick in targeted cyber operations. Our analysis indicates a marked increase in hashtag#cyberattack sophistication aimed at critical infrastructure and key industrial sectors. These attacks range from ransomware campaigns to hashtag#AdvancedPersistentThreats (hashtag#APTs), threatening national security and business integrity.
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Our comprehensive report delves into these challenges, using a blend of open-source and proprietary data collection techniques. By monitoring activity on critical networks and analyzing attack patterns, our team provides a detailed overview of the threats facing German entities.
This report aims to equip stakeholders across public and private sectors with the knowledge to enhance their defensive strategies, reduce exposure to cyber risks, and reinforce Germany's resilience against cyber threats.
Explore our comprehensive data analysis project presentation on predicting product ad campaign performance. Learn how data-driven insights can optimize your marketing strategies and enhance campaign effectiveness. Perfect for professionals and students looking to understand the power of data analysis in advertising. for more details visit: https://bostoninstituteofanalytics.org/data-science-and-artificial-intelligence/