White Papers
Experian is a company committed to innovation. We are constantly striving to build on our expertise, to enhance existing, and to create new propositions for a changing climate. We also work extensively with our clients, supporting them in their objectives to employ the latest best practice. One way in which we share expertise and knowledge with our clients is through the White Papers that we produce.
Please see below for the range of White Papers available to download via our secure system. If you do not have an account set up with us already, you will be provided with the option to do so.
We also have a selection of shorter Briefing Papers focusing on a range of collections & recoveries issues. You can view the full list available here.
Fraud l Collections & Recoveries l Credit Bureau l Customer Management l Optimisation l Origination l Scoring and Analytics
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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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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South Africa 2010 - Fraud Risks at the first ever African-hosted World Cup
This White Paper explores the vulnerabilities of the South African financial services sector and provides an overview of best practice mitigation strategies for reducing the risk of fraudulent activities during and after the World Cup tournament.
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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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Collections & Recoveries
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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Performance excellence for debt management
This White Paper looks at the area of collections business intelligence both in terms of the areas that should be monitored and the tools that can support a collections operation in achieving efficient monitoring. It examines the value of indicators an organisation can monitor to achieve objectives and which demonstrate the value of the department to the organisation.
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Credit Bureau
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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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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Customer Management
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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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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An approach to acquiring profitable customers in Telecommunications
There is not a single approach to credit risk management for the telecommunications industry. However, by focusing on the vital common aspects required in acquiring profitable customers, Mobile Network Operators (MNOs) can take a proactive approach to managing the levers that drive customer profitability at the point of customer registration.
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Optimisation
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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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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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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Origination
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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Scoring and Analytics
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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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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Prevention is better than cure: the role of a pre-delinquent strategy in managing bad debt
The global recession is dramatically impacting collections operations, particularly those in the more mature credit markets, where rising unemployment means that previously good customers are struggling to service their credit commitments.
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Debt Management Briefing Papers
We also have a selection of shorter Briefing Papers focusing on a range of debt management issues. You can view the full list available here.