Credit Risk Management

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Higher interest rates: How will you prepare?...

With the UK economy improving the need for supportive monetary policy from the Bank of England in terms of quantitative easing (QE) and a 0.5% base is diminishing rapidly. The short-term outlook for interest rates is now a matter of great debate, with many analysts expecting a rise in...

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Four reasons why you might be holding invalid bank acc...

Sending and receiving payments are business critical processes and when payments fail the impact on a company’s bottom line can be very serious. One area which causes payment failure but which may be overlooked is in the collection and storage of bank account data. When you collect and manage...

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What’s the score with fraud underwriting?...

It’s not uncommon for applicants flagged as potential frauds to be processed without being manually underwritten. Why? Simply because it is unrealistic to expect 100% of all referrals to be manually worked through. The sheer extent of referrals means that underwriters are suffering from capacity fatigue and a major...

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The importance of customer centricity in financial ser...

The importance of putting the customer at the heart of everything you do has long been discussed, but just when you think you’ve understood what they want, and how best to look after them, they evolve....

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No crystal ball? Try the next best thing...

To build stronger relationships with your customers and avoid losing them to your competitors, you need to accurately predict and meet their changing financial...

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Who do you lend what to, and when?...

The UK credit card market is facing unprecedented challenges, particularly for established high street lenders. Due to the strain on the economy post-crisis, many lenders have refocused their strategies on lower risk and, for some, franchised customers. While safe, these ‘low-risk’ clients have put increased pressure on the key...

Read More Who do you lend what to, and when?
Homeowners face affordability squeeze when rates rise...

The affordability of mortgage repayments is once again under the spotlight following recent comments by the Governor of the Bank of England that “gradual and limited” increases in interest rates are “coming neare...

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Join our #DataDriven TweetChat on Tuesday, July 8 at 5...

Join our upcoming #DataDriven chat on Twitter featuring: Susie Wolff – Development Driver, Williams Martini Racing Rob Smedley – Head of Vehicle Performance, Williams Martini Racing Formula 1 Team Greg Bonin – Principal Scientist for Experian’s DataLabs. Topic: Using Data to Make Smarter Decisions When: July 8, 2014 at...

Read More Join our #DataDriven TweetChat on Tuesday, July 8 at 5:30 pm BST
How can banking move forward in post-crisis Britain?...

Derek Garriock, our Head of Business Solutions and former leader of Sales Transformational Design and Delivery for RBS, scrutinises the changes, challenges and opportunities facing the Banking and Financial Services sector during the next three to five...

Read More How can banking move forward in post-crisis Britain?