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2012: A year of Identity & Fraud, Part Two...

Latest Thinking continues its look back over 2012 and some of the developments and events in the world of Identity &...

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2012: A year of Identity & Fraud, Part One...

As the New Year approaches, Latest Thinking takes a look back over 2012 and highlights some of the developments and events in the world of Identity &...

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The Mortgage Market Review: What are the implications ...

After much consultation the FSA published its final version of the Mortgage Market Review on October 25th. The new rules arising from the Mortgage Market Review (MMR) will not change who will be lent to, but rather prescribe a more robust approach to income verification and affordability...

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Santa is a fraud...

Santa is a fraud. Just look at the warning signs, says device recognition specialist and Experian international partner iovation. It identifies one billion mobile devices globally and currently conducts 2.5 billion device reputation checks a year. It enables clients to assess the likelihood of transactions being fraudulent based on...

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Putting C.U.S.T.O.M.E.R at the heart of marketing...

Many organisations strive to be customer-centric, putting their customers at the heart of their business. Indeed recent research from Experian highlights that 43% of consumers will buy more from a brand that understoods them and their engagements and treats them...

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Post-Christmas sales set to highlight retailers’...

Given the ongoing economic squeeze on many households, tolerance, convenience and security are now the three critical issues and of acute importance for retailers and ecommerce sites. The dilemma faced is epitomised by three separate findings made by Experian. On the one hand online shoppers will tolerate up to...

Read More Post-Christmas sales set to highlight retailers’ unholy trinity – Tolerance versus convenience versus security
UK Labour Market Statistics – December release...

The recent momentum in labour market trends is rapidly easing in line with our expectations. While today’s labour market release still shows a rise in employment in the three months to October, the magnitude of this increase (of 40,000) is disappointing compared to earlier rises of 100,000 and 212,000...

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Wealthiest owe millions in unpaid council tax...

New research from Experian reveals that some of the most affluent sections of society owe millions of pounds in unpaid council tax. Experian has analysed £170 million of outstanding council tax debt owed to a broad range of rural and urban local authorities across England. The analysis revealed that...

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Innovation in a competitive climate: can you rise abov...

The face of lending is changing noticeably. Since the credit crisis of 2007, managing risk is high on the agenda and banks are rightly tentative about extending credit. New regulations imposed by the Financial Services Authority (FSA), mean that lending has to be even more responsible with greater focus...

Read More Innovation in a competitive climate: can you rise above the competition?