Using digital communications to competitive advantage in collections
Successful collections departments are finding that enabling customers to access and repay their debts without liaising with a human collector is a successful strategy and, as such, there is growing interest towards the use of digital communications in customer collections.
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Responsible Lending and Affordability
This White Paper describes a UK-based responsible lending approach, but the lessons learned from the UK have implications for many other developed - and developing - consumer credit markets.
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Driving profitability in financial services using Business Rules Engines
This White Paper outlines the key drivers behind the decision to integrate a Business Rules Engine in core customer systems processes and address a number of the key concepts, approaches and benefits of the adoption of BRE technology.
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Fraud in the financial services sector - Using data intelligence to stop fraud before it starts
This White Paper examines the problem of application fraud for financial services organisations and explores how implementing an effective fraud prevention system and processes can have a significant impact on the organisation’s bottom line.
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The strategic approach to debt management in the retail banking sector
A variety of pressures (market, legislative, competitive) are forcing change within the collection function, and the processes to collect debts are becoming increasingly sophisticated whilst adapting to change…
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The strategic approach to debt management in the telecommunications sector
Telecommunications operators have faced increasing pressure over recent years to grow the subscriber base in a highly competitive market, only to find that their customers have been able to switch between providers, leaving their debts behind and making customer churn a significant challenge…
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Tackling the issue of bust-out fraud
Bust-out fraud is a growing area of fraud for the financial services industry. The White Paper concentrates on the methodologies associated with bust-out, how it is perpetrated and how to predict bust-out fraud.
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Customer management for retail banking
Retail Banks are continually striving to improve their risk adjusted return on capital. Bank profitability is driven by revenue, costs and bad debt losses whilst maintaining high levels of customer satisfaction and regulatory compliance.
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Origination for SME Lending - Management of high volume, low ticket value lending
This White Paper serves as an introductory guide to the opportunities and challenges faced when lending to small and medium sized enterprises (SMEs), particularly for non-complex unsecured lending.
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Origination for unsecured lending
This White Paper discusses the requirements of an effective and efficient origination system for unsecured lending covering the business model, application process and system set-up with the aim of enabling a rapid response to changing customer needs and market demands together with managing portfolio risk whilst delivering growth.
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Basel II - Does your rating system work?
This White Paper focuses on the issues of validation and discusses feasible validation approaches covering all aspects of data and process quality, as well as quantative and qualitative approaches to validation, which address the issue of compliance whilst delivering maximum benefit.
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Optimising real-time marketing
In an age where direct marketing effectiveness is declining, organisations are increasingly using marketing when customers decide to interact with the business (through telephone, face to face, web or ATM). This is a time when an organisation has the attention and permission of the customer to communicate, providing an ideal opportunity to strengthen the relationship...
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Marketing optimisation - Realising maximum value from data driven marketing
For your organisation to thrive it is important to make the most of each customer interaction by maximising customer value. In a world where there are millions of customers, multiple touch points and many possible actions or offers, how can you ensure that the decisions and actions you take will maximise sales and revenues whilst meeting your budget and customer contact policies...?
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Modelling personal bankruptcy in the UK
High levels of consumer indebtedness has become a high profile topic in the press and is seen as a growing problem for the UK economy. Experian Decision Analytics has carried out extensive research focussing on the differences between bankrupts and other delinquent customers and considered how credit bureau data could be utilised to better identify customers who will become bankrupt in the future.
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A profit driven approach to risk based pricing
Risk based pricing is the practice of considering the ‘risk’ of an applicant and applying different lending interest rates and terms based on their profile. This paper reflects the many years of experience Experian has gained from working with financial lenders implementing risk management decision support and scoring systems.
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The need for credit bureaux
This White Paper, originally published in early 2004, has been reviewed and updated. The paper examines the advantages of having a credit bureau in a country, for both consumers and companies as well as what makes an effective credit bureau.
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Strategy optimisation - The next step in credit customer decisioning
Strategy optimisation for credit is the 'next step' in customer decisioning, this White Paper outlines the background to strategy optimisation for credit and how it can be implemented across the credit lifecycle leading to increased profit, improved operational and financial management benefits and the ability to respond to changing environments more dynamically.
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