Make Smarter Collections Decisions with AnalyticsExperian
Are you developing your collection strategies with the entire customer lifecycle in mind? With the right tools and analytics, you can proactively make smarter collections decisions every step of the way.
In this session we share how to:
Test collection strategies early in the lifecycle
Identify early warning signs pointing to collection
Develop collections strategies that will help you maintain the relationship for future engagement
Watch the recording of this talk on our archive page:
https://www.experian.com/business-information/landing/sip-and-solve.html
You already know how important it is to your clients that you accept online payments. But are you getting the most from your payments provider?
Join two industry experts to go beyond the basics and learn how online payments can accelerate your law firm's growth.
In this webinar, you’ll learn:
Advanced Clio Payments features that provide an end-to-end invoicing and payments solution, without having to switch tools, powered by LawPay
Proven, data-driven ways to increase firm revenue
LawPay's advanced protection services for law firms
How online payments changed one law firm's fortunes completely
https://landing.clio.com/law-firm-payments-masterclass.html
For digital media companies, effective cybersecurity programs a mustGrant Thornton LLP
In digital media trust is everything, without it your business model doesn’t work. Cybersecurity can be a key component, ensuring the integrity of your services. Check out this brief guide to securing your data.
Make Smarter Collections Decisions with AnalyticsExperian
Are you developing your collection strategies with the entire customer lifecycle in mind? With the right tools and analytics, you can proactively make smarter collections decisions every step of the way.
In this session we share how to:
Test collection strategies early in the lifecycle
Identify early warning signs pointing to collection
Develop collections strategies that will help you maintain the relationship for future engagement
Watch the recording of this talk on our archive page:
https://www.experian.com/business-information/landing/sip-and-solve.html
You already know how important it is to your clients that you accept online payments. But are you getting the most from your payments provider?
Join two industry experts to go beyond the basics and learn how online payments can accelerate your law firm's growth.
In this webinar, you’ll learn:
Advanced Clio Payments features that provide an end-to-end invoicing and payments solution, without having to switch tools, powered by LawPay
Proven, data-driven ways to increase firm revenue
LawPay's advanced protection services for law firms
How online payments changed one law firm's fortunes completely
https://landing.clio.com/law-firm-payments-masterclass.html
For digital media companies, effective cybersecurity programs a mustGrant Thornton LLP
In digital media trust is everything, without it your business model doesn’t work. Cybersecurity can be a key component, ensuring the integrity of your services. Check out this brief guide to securing your data.
Software Advice BuyerView: Small Business Accounting Software Report 2014Software Advice
An overview of thousands of companies considering new accounting software, with information past clients' pain points and reasons for switching to a new system.
Automate your law practice
According to the 2019 Legal Trends Report, the average lawyer spends only 2.5 hours on billable work per day. The other 5.5 hours tend to be spent on tasks like data entry, scheduling follow-up reminders, or organizing time entries at the end of the month.
The good news is: With the right tools, lawyers now have the power to automate tedious tasks.
Join Joshua Lenon, Clio’s Lawyer in Residence, to find out how you can leverage legal technology to improve efficiencies at your firm and add more billable hours to your timesheet.
In this CLE-eligible webinar, you’ll learn:
How to analyze the areas of your practice that can benefit from automation
How to create an automation plan for your practice
What legal technology tools can save you time and money, and help take the pain out of performing tedious administrative tasks
https://landing.clio.com/automation-to-increase-efficiency.html
CRITICAL SUCCESS FACTORS IN IMPLEMENTING INFORMATION GOVERNANCE (IG)Irmbulldog
IG professionals are overwhelmed by the complexities and ever changing regulations regarding data and information. To compound the issues are the increased volume, velocity, and variations of data from social media to corporate applications. The purpose of this phenomenological study was to determine critical success factors in implementing information governance with an enterprise information management program. The logic for using the qualitative method of research was to capture the lived experiences of the participants regarding the implementation of an information governance program. Phenomenology accentuates the subjective experiences and interpretations of the participants. Interviews were conducted with 20 IG professionals. Six major themes emerged from the study that may provide insight into understanding the critical success factors in implementing information governance: (a) executive support, (b) risk management, (c) change management, (d) communication, (e) technology, and (f) strategy and planning. The study recommends further research from the findings of the study.
How IT Life cycle management can drive efficiencies right across the law firmShaun O'keeffe
How are laws firms investing in technology? Discover insights from a survey commissione dby HSBC and The Lawyer.
Discover how IT life cycle management can support firms to focus on what matters... the client experience and attracting and retaining talent
The Global Chief Procurement Officer Survey 2018Deloitte UK
For the past seven years, the Global Chief Procurement Officer Survey has provided a global benchmark of the sentiment or procurement leaders and an insight into the key themes and challenges facing procurement, including market dynamics, value and collaboration, talent and leadership, and digital procurement.
Intelligent Enterprise: How to Create the Customer Experience of the Future? ...Catalina Arango
Customer experience is more important than ever. Even as ML technologies are more commonly used, many organization remain bewildered about what the different technologies can do and how they could be integrated in their business processes in order to drive positive customer experience. A look at examples of enterprises who have improved customer experience by applying advanced analytics into business processes.
Webcast: Engage Earlier and Higher with Persuasive Interactive Assessment Too...Alinean, Inc.
You need the right content to better attract interest, engage earlier and most importantly, help spark purchase decisions with skeptical executives and buying committees. However more of the same old white papers and product pitches won’t do the trick.
Did you know …
* 41% of buyers now desire more interactive and personalized content
* 62% want more benchmarking data, to know how they compare to peers and to get a competitive edge
* 97% prefer prescriptive content (over a product pitch), providing advice on what to do next
To address these changing buyer demands, you need newer interactive content. One of the best assets to accomplish this is an Interactive Assessment Tool. A provocative, personalized and prescriptive Assessment Tool can be made available from your web site. The tools are self-service to prospects and can be leveraged by sales reps and partners to help:
* Attract interest
* Engage earlier
* Uncover and prioritize buyer challenges
* Spark and motivate purchase decisions
This webcast showed specific examples of Interactive Assessment Tools and how the right discovery, comparative benchmarks, smart solution recommendations and personalized report can help improve your lead generation, drive purchase decisions and improve your competitive advantage.
Webcast: Engage Earlier and Higher with Persuasive Interactive Assessment ToolsAlinean, Inc.
You need the right content to better attract interest, engage earlier and most importantly, help spark purchase decisions with skeptical executives and buying committees. However more of the same old white papers and product pitches won’t do the trick.
Did you know …
- 41% of buyers now desire more interactive and personalized content
- 62% want more benchmarking data, to know how they compare to peers and to get a competitive edge
- 97% prefer prescriptive content (over a product pitch), providing advice on what to do next.
To address these changing buyer demands, you need newer interactive content. One of the best assets to accomplish this is an Interactive Assessment Tool. A provocative, personalized and prescriptive Assessment Tool can be made available from your web site. The tools are self-service to prospects and can be leveraged by sales reps and partners to help:
- Attract interest
- Engage earlier
- Uncover and prioritize buyer challenges
- Spark and motivate purchase decisions
Join us on Tuesday, October 3rd at 11:00 a.m. ET and we’ll show you specific examples of Interactive Assessment Tools and how the right discovery, comparative benchmarks, smart solution recommendations and personalized report can help improve your lead generation, drive purchase decisions and improve your competitive advantage.
The market for legal services is growing increasingly more competitive. How is your firm planning to stand out?
Join Joshua Lenon, Clio’s Lawyer in Residence, in this 1-hour session to explore the 2021 Legal Trends Report in detail and discuss what the data means for law firms and legal professionals like you.
In this CLE-eligible webinar, you’ll learn:
The biggest takeaways from Clio’s research into 2021 legal trends
What today’s clients look for in hiring a law firm
Recommended actions for optimizing your firm’s success in 2022 and beyond
https://www.clio.com/events/webinar-2021-legal-trends-report/
Data Governance in the age of Social MediaExperian
Data is key to all of us. Regardless if you are a banker, retailer, marketer or underwriter, we all strive to know the most about our prospects and customers. We need to know their likes, wants, pain points and a foresight into their interest. And we need to know it before the prospect or customer does. Given the never-ending need for further insights, many of us continually look for new data sources to provide this competitive edge. This is just good business. But there is a need to understand both the predictability and persistence of the data and the insights it provides.
This presentation explores:
The regulatory landscape
The new data sources being tested and used
The implications upon your data governance infrastructure
The path to ensuring your use of the data does not become more of a burden than a benefit
Highlights from the Q1 2015 Experian-Oliver Wyman Market Intelligence ReportExperian
Understanding key changes in the consumer lending environment allows lenders to react quickly to develop more effective and profitable lending strategies. View Experian's overview of the latest consumer credit trends, including highlights from the Q1 2015 Experian-Oliver Wyman Market Intelligence Report to discover key trends impacting consumer credit decisions and learn about consumer behaviors in the context of economic trends from real estate, banking and automotive.
Q2 2015 insights on consumer credit trends and the current state of the real ...Experian
View the Q2 2015 recap of the Experian-Oliver Wyman Market Intelligence Report, including the latest consumer credit trends and a key focus on the current U.S. real estate market.
Software Advice BuyerView: Small Business Accounting Software Report 2014Software Advice
An overview of thousands of companies considering new accounting software, with information past clients' pain points and reasons for switching to a new system.
Automate your law practice
According to the 2019 Legal Trends Report, the average lawyer spends only 2.5 hours on billable work per day. The other 5.5 hours tend to be spent on tasks like data entry, scheduling follow-up reminders, or organizing time entries at the end of the month.
The good news is: With the right tools, lawyers now have the power to automate tedious tasks.
Join Joshua Lenon, Clio’s Lawyer in Residence, to find out how you can leverage legal technology to improve efficiencies at your firm and add more billable hours to your timesheet.
In this CLE-eligible webinar, you’ll learn:
How to analyze the areas of your practice that can benefit from automation
How to create an automation plan for your practice
What legal technology tools can save you time and money, and help take the pain out of performing tedious administrative tasks
https://landing.clio.com/automation-to-increase-efficiency.html
CRITICAL SUCCESS FACTORS IN IMPLEMENTING INFORMATION GOVERNANCE (IG)Irmbulldog
IG professionals are overwhelmed by the complexities and ever changing regulations regarding data and information. To compound the issues are the increased volume, velocity, and variations of data from social media to corporate applications. The purpose of this phenomenological study was to determine critical success factors in implementing information governance with an enterprise information management program. The logic for using the qualitative method of research was to capture the lived experiences of the participants regarding the implementation of an information governance program. Phenomenology accentuates the subjective experiences and interpretations of the participants. Interviews were conducted with 20 IG professionals. Six major themes emerged from the study that may provide insight into understanding the critical success factors in implementing information governance: (a) executive support, (b) risk management, (c) change management, (d) communication, (e) technology, and (f) strategy and planning. The study recommends further research from the findings of the study.
How IT Life cycle management can drive efficiencies right across the law firmShaun O'keeffe
How are laws firms investing in technology? Discover insights from a survey commissione dby HSBC and The Lawyer.
Discover how IT life cycle management can support firms to focus on what matters... the client experience and attracting and retaining talent
The Global Chief Procurement Officer Survey 2018Deloitte UK
For the past seven years, the Global Chief Procurement Officer Survey has provided a global benchmark of the sentiment or procurement leaders and an insight into the key themes and challenges facing procurement, including market dynamics, value and collaboration, talent and leadership, and digital procurement.
Intelligent Enterprise: How to Create the Customer Experience of the Future? ...Catalina Arango
Customer experience is more important than ever. Even as ML technologies are more commonly used, many organization remain bewildered about what the different technologies can do and how they could be integrated in their business processes in order to drive positive customer experience. A look at examples of enterprises who have improved customer experience by applying advanced analytics into business processes.
Webcast: Engage Earlier and Higher with Persuasive Interactive Assessment Too...Alinean, Inc.
You need the right content to better attract interest, engage earlier and most importantly, help spark purchase decisions with skeptical executives and buying committees. However more of the same old white papers and product pitches won’t do the trick.
Did you know …
* 41% of buyers now desire more interactive and personalized content
* 62% want more benchmarking data, to know how they compare to peers and to get a competitive edge
* 97% prefer prescriptive content (over a product pitch), providing advice on what to do next
To address these changing buyer demands, you need newer interactive content. One of the best assets to accomplish this is an Interactive Assessment Tool. A provocative, personalized and prescriptive Assessment Tool can be made available from your web site. The tools are self-service to prospects and can be leveraged by sales reps and partners to help:
* Attract interest
* Engage earlier
* Uncover and prioritize buyer challenges
* Spark and motivate purchase decisions
This webcast showed specific examples of Interactive Assessment Tools and how the right discovery, comparative benchmarks, smart solution recommendations and personalized report can help improve your lead generation, drive purchase decisions and improve your competitive advantage.
Webcast: Engage Earlier and Higher with Persuasive Interactive Assessment ToolsAlinean, Inc.
You need the right content to better attract interest, engage earlier and most importantly, help spark purchase decisions with skeptical executives and buying committees. However more of the same old white papers and product pitches won’t do the trick.
Did you know …
- 41% of buyers now desire more interactive and personalized content
- 62% want more benchmarking data, to know how they compare to peers and to get a competitive edge
- 97% prefer prescriptive content (over a product pitch), providing advice on what to do next.
To address these changing buyer demands, you need newer interactive content. One of the best assets to accomplish this is an Interactive Assessment Tool. A provocative, personalized and prescriptive Assessment Tool can be made available from your web site. The tools are self-service to prospects and can be leveraged by sales reps and partners to help:
- Attract interest
- Engage earlier
- Uncover and prioritize buyer challenges
- Spark and motivate purchase decisions
Join us on Tuesday, October 3rd at 11:00 a.m. ET and we’ll show you specific examples of Interactive Assessment Tools and how the right discovery, comparative benchmarks, smart solution recommendations and personalized report can help improve your lead generation, drive purchase decisions and improve your competitive advantage.
The market for legal services is growing increasingly more competitive. How is your firm planning to stand out?
Join Joshua Lenon, Clio’s Lawyer in Residence, in this 1-hour session to explore the 2021 Legal Trends Report in detail and discuss what the data means for law firms and legal professionals like you.
In this CLE-eligible webinar, you’ll learn:
The biggest takeaways from Clio’s research into 2021 legal trends
What today’s clients look for in hiring a law firm
Recommended actions for optimizing your firm’s success in 2022 and beyond
https://www.clio.com/events/webinar-2021-legal-trends-report/
Data Governance in the age of Social MediaExperian
Data is key to all of us. Regardless if you are a banker, retailer, marketer or underwriter, we all strive to know the most about our prospects and customers. We need to know their likes, wants, pain points and a foresight into their interest. And we need to know it before the prospect or customer does. Given the never-ending need for further insights, many of us continually look for new data sources to provide this competitive edge. This is just good business. But there is a need to understand both the predictability and persistence of the data and the insights it provides.
This presentation explores:
The regulatory landscape
The new data sources being tested and used
The implications upon your data governance infrastructure
The path to ensuring your use of the data does not become more of a burden than a benefit
Highlights from the Q1 2015 Experian-Oliver Wyman Market Intelligence ReportExperian
Understanding key changes in the consumer lending environment allows lenders to react quickly to develop more effective and profitable lending strategies. View Experian's overview of the latest consumer credit trends, including highlights from the Q1 2015 Experian-Oliver Wyman Market Intelligence Report to discover key trends impacting consumer credit decisions and learn about consumer behaviors in the context of economic trends from real estate, banking and automotive.
Q2 2015 insights on consumer credit trends and the current state of the real ...Experian
View the Q2 2015 recap of the Experian-Oliver Wyman Market Intelligence Report, including the latest consumer credit trends and a key focus on the current U.S. real estate market.
Session four of a forum exploring how invasive species impact the environment, what policy solutions are needed to prevent new invaders, and how science-based stewardship can be used for targeted management.
Presenter: Brendan Quirion, Program Coordinator, Adirondack Park Invasive Plant Program
Productionising Machine Learning to automate the enterprise. Conference research question: How can you pin-point which core business processes to transform with increased automation and streamline daily workflows to boost in house efficiencies?
What's an ABM Solution Really Worth? Understanding the Total Economic Impact ...Demandbase
What’s an ABM solution really worth? Find out using Forrester’s Total Economic Impact™️ framework, and learn how to apply it to your own organization.
Join Demandbase’s VP of Product Marketing, Jackie Palmer, alongside guest speaker and Forrester consultant, Amy Harrison, as they share the financial and business impact interviewed customers realized by using Demandbase as their Go-To-Market solution. Demandbase customer, Suzzette Giron, Senior ABM Specialist at Achievers, shares her team’s experience and outcomes as well.
Hear more real customer stories and learn the details of the commissioned Total Economic Impact study conducted by Forrester Consulting on behalf of Demandbase.
Transforming Business with Smarter AnalyticsCTI Group
Transforming Business with Smarter Analytics by Deb Mukherji @ BPT IBM Innovative Indonesia with Smarter Analytics, 12 June 2013, Shangri-La Hotel Jakarta
Increase Financial Firms' Sales Performance & Compliance with Compensation Ma...Perficient, Inc.
Financial services and banking organizations are challenged with aligning sales performance with corporate goals to drive business growth. In addition to financial performance, one of the largest challenges financial institutions face today is managing the balance of meeting regulatory requirements without potentially disrupting performance.
To help your organization manage performance and risk data against regulatory reporting requirements, you need to develop an enterprise-wide governance structure to gain control over sales channel compensation programs.
In this webinar, our experts covered:
-Challenges around sales performance, Dodd-Frank and compensation governance in financial services
-Industry-focused use cases and best practices for sales performance management solutions
-Case studies of leading financial institutions implementing sales performance and compensation management
Our experts also demonstrated how IBM Cognos Incentive Compensation Management enables organizations to achieve operational efficiency and reporting accuracy, greater data transparency, reduced risk and detailed sales performance analytics.
8 slide summary on the capabilities of Resolve Corporation as a Business Process Outsourcer to the Fiinancial Services, Retail, and Government segment.
Merchant Retention Case Study: A top merchant acquirer client improved a key function in retention and saw significant upsides to retention rates, margins, and operational efficiencies.
Help you innovate business processes to differentiate your enterprise
Create value that contributes to bottom-line savings
Apply flexible and robust methodology and toolset that allow us to contractually commit to measurable outcomes for our clients
Help you take advantage of the opportunities of a global economy
Presentation at 2013 ACORD LOMA Conference on moving insurance to a world of digital congress, from electronic apps to e-signatures, straight through processing, and image management. Presented in partnership with AXA Equitable's Nick Intrieri
Amazon – Finals Oliver Wyman Iberia Case CompetitionFranziska Becker
Together with my brilliant team I participated in the 2017 Iberia Case Competition by Oliver Wyman, placing 2nd out of over 200 teams. In the finals, we had four hours to analyse a case on Amazon and advice the company on whether to launch an online banking solution in the European market. Based on the information we were given by Oliver Wyman, we conducted a thorough business analysis and developed this presentation containing our solution proposal, recommending Amazon to launch an online banking solution in Italy, because it would: serve the customer better, sustain the company’s core business, and expand its offering.
3 tips to increase response rates when marketing to a business - Sip and SolveExperian
Finding new prospects and customers in the market for business credit has never been more difficult. Even with hyper-personalized and targeted campaigns, marketing response rates can still be stagnant.
During this webinar you will learn how to:
Get the right message to the right prospect using data beyond traditional marketing firmographics
Use analytics to optimize marketing spend
Prioritize your outreach by identifying who is likely in the market to buy
Watch the recording of this webinar:
https://www.experian.com/business-information/webinar-sip-and-solve-ep-16-3-tips-to-increase-response-rates
1. Wanna know what I do for a living? Here’s a brief overview…
2. Here’s who my clients typically are… Automotive Banking Credit card Credit union Insurance Internet Merchants Leasing Mortgage Public sector Retail finance Telecommunications Utilities
3. My client’s top priorities in today’s market Source: 2009, Tower Group Research Study Improving Analytics Protecting portfolio profitability Managing increasing delinquencies + +
5. My company is Experian Here’s how we compare to our main competitors 3,000 0 500 3,500 2,000 4,000 2,500 1,000 1,500 Global revenue US$ million 77% Experian Equifax 55% 80% 85% 91% 67% 33% 9% 15% 45% D&B Acxiom Harte- Hanks Fair Isaac 1,726 1,936 1,384 745 23% 3,821 20% 1,083 International North America
6. Overview of Experian A top performing company on the London Stock Exchange Our Vision Sales Growth $m EBIT $m and margin Total growth FY05 FY06 FY07 FY08 FY09 +30% +14% +14% +8% FY05 FY06 FY07 FY08 FY09 +28% +15% +13% 21.0% 21.9% 22.8% 20.0%
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8. What sets us apart Flexible software Better access to data Deeper insight and knowledge Expert strategy design and optimization
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Editor's Notes
Illustrates the diversity of Experian’s client base across industries. Financial services (banks and credit unions) represents the largest percentage of our client base .
Key results/insights from the Tower Group study: Improving analytics Changes to the Origination Process Loan origination and card issuance systems are the crux of the front line of lending. It is crucial to bring all processes and tools together to meet changing market conditions and increasing compliance requirements. It is also necessary to provide a connection to internal and external data sources to enhance loan decisioning and card issuance capabilities. Essential workflows will remain the same, but certain origination and acquisition fundamentals will require redesign. These fundamentals include the basic credit application, decisioning attributes, and front-end scoring. Protecting portfolio profitability Account Management and the Changing Loan Product The New World of Risk-Based Pricing TowerGroup believes that the fundamental requirements of the CARD Act will reduce the amount of credit available to consumers and decrease bank profit margins. Risk-based pricing, a key focus of the regulation, is to be determined at the time of the loan or card is offered. Because adjusting the rate after account activation will be difficult for the lender to do, it will occur less frequently than in the past. This change will have a pronounced effect on revolving products that allow scrutiny, such as credit cards or revolving lines of credit and overdraft/bounced check protection. However, nonrevolving products such as home equity loans, auto loans, personal loans, and education finance will continue to operate in a more risk-averse and static rate environment. The CARD Act permits credit card lenders to reprice rates on future purchases if they give cardholders sufficient advance notice of the policy, but it prohibits them from repricing the rate retroactively on an existing balance. The underlying theme of risk-based pricing is to push the costs of defaulted loans, collection, and handling to those borrowers with the propensity to become delinquent . Opportunity still exists to review non-risk-based revenue streams, which come in the form of user and punitive fees. Managing increasing delinquencies Changes to the Collection Process Revitalization of the collection function is the final link in a well-honed credit extension process. In the past decade, financial institutions mastered the art of cost reduction in their collection functions with strategies for the best time to call, outsourcing, and vendor enhancements that routinely monitor the effectiveness of collection strategies. Change that is necessary to tie the art of lending to the science of collection centers on the fact that many of the issues in the credit loss tsunami of 2009 were credit capacity issues rather than issues of character.
Annual sales are US$4.1 billion (£2.0 billion/€2.9 billion). As of March 31, 2008, Approximately 51% of our revenue is from North America, 8% from Latin America, 24% from the UK /Ireland and 17% from Europe, Middle East, Africa & Asia Pacific. Globally, we are double the size of our closet competitor and have broader geographic reach. Competitors include: Equifax, D&B, Acxiom, Harte-Hanks and Fair Isaac.
Organizationally, Analytics, Software and Fraud, represent our core competencies. Our analysts and analytical consultants are experts in the field of data intelligence and analytics. They can focus on specific analytical projects or larger scale professional services engagements for peer comparisons and benchmarking purposes. Our scientists are considered to be the top in the field – we have led the way in terms of data interpretation and analysis of bureau related data. Two examples are our STAGG attribute management services and the work that our team in the development of VantageScore. We also have scientists who built our industry leading constraint based optimization mathematical algorithms to help organizations take their analytics to the next step. Our software applications are available on a direct installed basis or via ASP delivery model. Probe SM, our customer management application is also available through credit card processors such as TSYS and FDR. Our fraud solutions leverage both credit and non-credit data and cover authentication, fraud detection and compliance – lowering costs while helping you keep your good customers. Our fraud solutions are available through a single, integrated platform – easing the time and expense burden of implementing these solutions within your organization. All this is backed by years of experience as credit risk and fraud management professionals. Individuals across Decision Analytics have been instrumental working in or supporting organizations and departments such as yours.
Key points: We believe in developing solutions that provide clients with better access to, and use of, data to derive meaningful insights . These insights can be translated into actions that can be quickly and efficiently deployed through technology to yield higher risk-adjusted returns and more profitable growth. Our goal is to help clients improve the effectiveness of their decisions and to decrease the time between changes in customers’ behavior and an organization’s reaction with new business rules or insight. Doing so will decrease the amount of risk and maximize the overall value of each decision. Closing the gap between modifications to data, analytics, business rules, pricing, and policy represent the true efficiency frontier that can drive significant performance lifts. We refer to this as “time to value” -- a reflection of the organizational agility that we deliver for our clients. Providing access to data from multiple sources (including credit bureau, collections, fraud data, services and scores, third-party data and your own customer data) and converting it into meaningful facts and insights about your customers and your business; Examples: Attribute Toolbox, STAGGS, Business Intelligence/Benchmarking Studies Developing models and analytics that make reasonable conclusions about this data, including analytics that feed optimization models; Examples: Full range of models and analytics – bureau based scores (Vantage Score, In the Market Models, Bankruptcy Predict), pooled models for specific industries or verticals (Fast Start for credit unions, auto, home equity, unsecured lending, etc.) and custom models. Using strategy design and decision optimization algorithms that apply business goals and operational constraints to help guide decisions; Examples: Strategy Design / Champion Challenger Testing within Strategy Management, Industry leading, constraint-based optimization Deploying data and analytical models, and optimized strategies, through scoring and business rules engines -- and maintaining these over time through a business rules platform (Strategy Management) or lifecycle specific decisioning solutions (BHOS, Transact SM, PRA, etc.). Software solutions are designed for business users – helping them to quickly and easily automate and deploy their decisions. The combination of our analytics, software, fraud solutions and consulting coupled with our data access intelligence capabilities sets us apart in the marketplace. No other competitor has all of these capabilities combined. Fair Isaac lacks the data and the global track record. In the fraud area, ID Analytics lacks the software and consulting expertise that we bring to the table.