Data management

Improve the quality of your data to make better decisions, deliver better experiences and more.

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The one thing underpinning your business is data

If your data is of poor quality, then it has a knock-on effect throughout your business. By employing the right tools and solutions, you can ensure your data isn’t simply audited for quality and compliance but is also enhanced with rich third-party datasets.

Enrich your customer data

If you’re relying solely on your own data to build a picture of your customers, then you’re missing out on a huge resource. The democratisation of data has led to greater sharing between institutions using initiatives such as Open Banking – by combining these rich data sets with your own records, you can greatly improve your customer insight to help make smarter decisions across your entire portfolio.

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Colleagues discussing data sources for their business

Choose the right data sources

Where can you go to unlock all the missing information from your customer records? Credit bureaus are a useful source for assessing customer risk and creditworthiness, but don’t overlook other datasets: Experian offers a wide range of records that can be used to both validate and deepen the data you already hold.

Solutions to help choose the right data source

Data management solutions for your business. Take control of your data, improve performance and strengthen customer insights.

Data Management Solutions

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Understand your customer finances in detail

Open Banking unlocks access to a wider financial picture of your customers, but how do you convert all that raw data into meaningful insight? One solution is to harness algorithms that can identify and categorise transactions to reveal spending patterns and uncover potentially vulnerable customers. One example is Experian’s Categorisation as a Service (CaaS), which can be used to analyse both your own transactional data as well as consumer-consented data from Open Banking.

Solutions giving more a detailed customer insight

Categorising transactional data and insights so you can make better, more informed decisions at every step of the credit lifecycle.

Categorisation as a Service

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Deepen your customer understanding

A customer’s financial data tells only part of their story. Look for ways to add colour and depth to the view of your customers by calling on services that are capable of tapping into demographic, lifestyle and non-financial product information as well. Experian’s Open Data Platform (ODP) has a repository of over 150 API endpoints that you can use to connect to numerous data sources.

Solutions to deepen your customer understanding

ExPin allows you to make more informed decisions and give a better customer experience.

ExPin

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Merge records from other sources

The best data bureaus will allow you to mix their rich sources of data with your own, so you can link records and build a more complete picture of your customers and prospects. To avoid errors, look for a tool that can accurately match the right customer to the right records. Experian’s ExPin references over 2 billion pieces of data to minimise duplicate records, for instance.

Solutions to help merge records from other sources

ExPin allows you to make more informed decisions and give a better customer experience.

ExPin

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Unlock wider customer insight – fast

You’ve created a detailed picture of your customers, but how do you go about using that information to make better decisions? Consider the benefits of an automated analytics system that can process all that extra data in seconds to reveal the insights you need. Experian Ascend is a good solution for this. It’s a complete analytics platform that lets you build a range of scorecard, benchmarking and customer management analysis in real time.

Solutions unlocking wider customer insight

Ascend helps you make smarter business decisions. Unlock your advantage, grow your business and serve your customers better with powerful insights made simple.

Ascend

Further reading on data enrichment

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We can tailor our data enrichment solutions to meet your business needs. Let's talk.

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Data profiling

Data profiling involves examining your data in microscopic detail to gain a complete understanding of it. This can be quite a challenge with large volumes of data from multiple sources. There are solutions out there, however, that can bring that data together to generate reports that help you to spot errors and derive better insight.

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Man using a laptop to cleanse his customer data records

Spot and fix errors

Step one of any data profiling exercise involves identifying and correcting mistakes. This is then followed by standardising and managing records. Both steps require a solution that can automatically verify contact details, weed out duplicate records so that you don’t send multiple communications, and discover the links between different sets of data. A suitable data partner can help you streamline this process.

Solutions to help spot and fix errors

Data management solutions for your business. Take control of your data, improve performance and strengthen customer insights.

Data Management Solutions

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Broaden your understanding

Data profiling offers the perfect opportunity to identify gaps in your records. Once identified, you can use third-party sources, such as those provided by Experian’s Data Management services, to populate them with meaningful data. Going forward, this provides a broader picture making smarter, more personalised business decisions more straightforward.

Solutions to help broaden your understanding

Data management solutions for your business. Take control of your data, improve performance and strengthen customer insights.

Data Management Solutions

Analyse large volumes of information to help you understand your data better and take action.

Data Profiling

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Manage your data better

The simplest way to profile your data is using a trusted tool or platform that does everything from audit your existing data to adding in additional resources. Rather than go to the expense of building such a tool yourself, look for an online self-service portal that can be set up and deployed with the minimal of training. Experian’s Aperture Data Studio is a good place to start.

Solutions to help manage your data better

Experian Aperture Data Studio lets you build the most consistent, accurate, and holistic views of customer data available.

Aperture Data Studio

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Get a single view

Does your organisation share a Single Customer View (SCV) of your data, or are departments siloed with each having an incomplete view? When bringing data together, look for a single solution that can overcome the three largest hurdles in creating an SCV: poor data quality, siloed departments, and the difficulty of linking different technologies and systems together. Experian’s Link, which is designed specifically to unite legacy systems, is one such solution.

Solutions providing a single view of your customer

Single Customer View helps you to create a complete understanding of your customers by consolidating all the data you hold about them in a single place.

Single Customer View

Experian Link and data management services offers everything from an off-the-shelf service to a highly customised solution depending on the needs of your organisation.

Link

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Make your data trustworthy

68% of organisations claim that increasing volumes of data makes it difficult to meet regulatory obligations. That’s why it’s important your data profiling platform produces cleansed and enriched data that remains compliant. Aperture Data Studio not only complies with data regulations, but also makes it easy to prepare for statutory reporting.

Solutions to help make your data trustworthy

Experian Aperture Data Studio lets you build the most consistent, accurate, and holistic views of customer data available.

Aperture Data Studio

Further reading on data profiling

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We can tailor our data profiling solutions to meet your business needs. Let's talk.

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Consumer credit data

Gaining a full and up to date understanding of your customer’s current financial circumstances isn’t just important at the point of application – it’s vital throughout your relationship. Discover how to gain the insights required to support potentially vulnerable customers as well as your own bottom line.

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Get access to comprehensive data

Where can you go to get the breadth and depth of information required to make accurate, responsible lending decisions? Solutions that leverage shared data sources such as Open Banking are ideal. Experian adds over 750 million records into its consumer credit bureau each month, drawing from over 600 of the largest and most up-to-date sources in the UK, so it makes sense to consult them before deciding on new data solutions.

Solutions giving access to comprehensive data

Get quick and easy access to an accurate, personalised view of a customer's income and expenditure from our bureau and Open Banking data with our Affordability Solutions.

Affordability Solutions

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Offer more inclusive lending

How do you build a picture of someone whose file is thin? How do you differentiate customers who have the same credit score to offer them suitable products and services? Identifying past behaviour to help predict future needs is the key, but that requires access to a wider pool of data. A solution like Experian’s Trended Data gives you this insight enabling you to make more informed and fairer decisions.

Solutions providing more inclusive lending

Experian offers a range of trended data scores and attributes for the acquisition and management of consumers.

Trended Data

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Make quick and accurate lending decisions

When a customer applies for credit, they don’t want to be left hanging around waiting for an answer. At the same time, you need to be sure that they can afford any loan or credit you offer them – not just now but going forward, too. Experian’s Affordability Solutions provide you with immediate and ongoing access to most UK customer current accounts, enabling you to make fast but smart lending decisions.

Solutions delivering quick and accurate decisions

Get quick and easy access to an accurate, personalised view of a customer's income and expenditure from our bureau and Open Banking data with our Affordability Solutions.

Affordability Solutions

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Adjust your strategies

You need to make sure your business keeps pace with your customers’ rapidly changing financial circumstances and adapt accordingly. Look for a tool that can re-evaluate your strategies in line with economic and financial changes. A solution like Experian Retro can help with this because it draws up-to-date and accurate data from the Live Credit Bureau.

Woman using a laptop to monitor the credit risk of her customers

Keep close tabs on customer finances

You need to keep an eye on your customers’ changing financial circumstances, so it makes sense to incorporate this functionality as an end-to-end solution that can be called upon at every stage of the customer journey. A cloud-based decisioning platform like Experian’s PowerCurve allows you to monitor your entire portfolio and receive alerts, informed by your policies, when a customer’s changing circumstances suggest further action may be required.

Solutions to help monitor your customers' finances

Make better customer decisions even when operating in a dynamic business environment. Find out how Experian's PowerCurve platform can help you.

PowerCurve

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Reduce the risk of default

Increasing numbers of customers are financially vulnerable. The sooner you can step in, the sooner you can formulate strategies to prevent them from falling further into arrears. A tool like Experian’s DebtSense can help. It’s designed to gather key insights from Open Banking and feed them through an intelligent rules engine to produce tailored recommendations on whether to extend breaks or restart payments.

Solutions reducing the risk of default

Don't lose touch with customers who move house or change number. Reconnect with our tracing solutions.

Debt Tracing

Further reading on consumer credit data

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We can tailor our consumer credit data insights solutions to meet your business needs. Let's talk.

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Financial forecasting

Ever wished you could see around corners to prepare for opportunities and risks coming your way? Armed with the right tools, you can predict the future financial performance of your business and anticipate what might happen if economic conditions change. This lets you minimise financial risks and discover new ways to grow.

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Colleagues forecasting their projected financial performance
Man assessing his company's predicted credit loss calculations

Meet IFRS 9 accounting requirements

IFRS 9 regulations require all lenders to add more analytical rigour to expected credit loss (ECL) calculations. This can put a huge strain on your organisation in terms of cost and resources. Fortunately, employing a solution that can use economic scenarios and credit data to calculate a more accurate ECL figure allows you to side-step these problems. It can also avoid you making unnecessarily high provisions and undermining your strategic planning.

Solutions meeting IFRS 9 accounting requirements

Creating operational and strategic value with your IFRS9 Expected Credit Loss framework.

IFRS9 Expected Credit Loss

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Take advantage of market opportunities

Where are the next opportunities in the UK going to come from? The answer lies in regional statistics. Armed with the right stats, such as Experian’s range of Regional Economic Forecasts, you can identify hotspots of new economic activity, rank performance by region and gain access to data from a wide range of sectors.

Solutions providing market opportunities

Market and portfolio insight gives you the context and quantitative analysis to support decisions about changes in strategy and operational planning.

Credit Market and Portfolio Insights

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Spot signs of risk

44% of the UK business population suffered a serious revenue impact due to Covid-19. Find out how that’s affected your customer base with a solution like Experian’s Portfolio Stress Dashboard. This type of tool can quickly analyse the financial longevity of companies in your portfolio, identify those in at-risk sectors as well as those operating in spheres of growth.

Solutions to help you spot signs of risk

Market and portfolio insight gives you the context and quantitative analysis to support decisions about changes in strategy and operational planning.

Credit Market and Portfolio Insights

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Get expert analysis, fast

The quality of your forecasts relies on more than simply having access to the right data. If you lack the money or resources to interrogate that data yourself, look for an on-demand platform that can build and evaluate a range of predictive models to find the perfect one for your strategic needs. Experian’s Ascend Intelligence Services has developed two products specifically to build, monitor and optimise predictive economic models, then calibrate your scorecards from them.

Solutions delivering fast expert analysis

Our suite of analytics solutions enable businesses to evaluate critical business decisions with insight and speed.

Ascend Intelligence Services

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Bring it all together

Once you’ve created your predictive models, how do you use them to help make decisions? The answer is to use an integrated solution that can deploy these models throughout the entire customer lifecycle. In the world of Experian, for example, models created with Ascend can be easily deployed with PowerCurve, the company’s automated decision-making platform.

Solutions to bring your entire lifecycle together

Ascend helps you make smarter business decisions. Unlock your advantage, grow your business and serve your customers better with powerful insights made simple.

Ascend

Make better customer decisions even when operating in a dynamic business environment. Find out how Experian's PowerCurve platform can help you.

PowerCurve

Further reading on financial forecasting

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We can tailor our financial forecasting solutions to meet your business needs. Let's talk.

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Company information

If you’re a B2B organisation, then data plays a key role in understanding both the opportunities and risks of partnering with other businesses. That data needs to be accurate, detailed and up to date. Discover how to access the most-reliable business information available so you can drive smarter choices.

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Young business owner enriching her customer data

Enhance your business prospects

If you’re actively seeking out new investment or lending opportunities, then you need access to a vast range of accurate cross-channel contact data. Experian’s BusinessView is one option that can help. This solution can enrich your data with details from over 5 million companies, verify existing email and phone contacts to ensure your messages get through. It also offers hundreds of variables across different categories to help you produce highly refined lists of prospects.

Solutions for enhancing your business prospects

Level up your marketing campaigns with GDPR verifed records from Experian BusinessView. Start finding new customers today.

BusinessView

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Seek out new opportunities

Businesses looking to grow through acquisitions and mergers need to know exactly who they’re dealing with. Make sure you perform a full check using a solution that has access to all the information you need. Experian’s MarketIQ, for example, offers the most comprehensive range of corporate, company, financial and business information on a single platform. It can even reveal deals made between different companies.

Solutions to help seek out new opportunities

MarketIQ reveals new layers of market understanding, combining Experian's M&A database with comprehensive external data.

Market IQ

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Get a deeper understanding of business risks

A business’s finances are always in flux – it opens and closes accounts, makes payments and uses credit limits. The wider transactions are spread, however, the harder it can be to get a complete picture of its financial behaviour. Risk score products allow you to predict which businesses are most at risk of failure or falling into arrears. Experian’s Commercial Risk Scores solutions can also predict insolvencies and identify the most at-risk balances within your portfolio.

Solutions giving a deeper understanding of risk

Make the best credit decision at the point of customer application calculated in real time, delivered through a variety of online systems.

Commercial Risk Scores

Further reading on business information and commercial risk

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We can tailor our company information insights solutions to meet your business needs. Let's talk.

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More on better customer insights

Risk analysis

Reduce risk with the help of Experian’s expert data processing and analytical services.

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Customer management

Manage customer needs better by learning more about them.

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Strategy management

Use your data to develop better strategies to drive your business forward.

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