Experian Behavioural Biometrics & Device Intelligence (UK)

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Experian's Behavioural Biometrics and Device Intelligence solution is designed to enhance fraud detection and prevention by continuously monitoring user interactions and device attributes throughout the customer journey. By analyzing behavioral patterns and device characteristics, this solution helps businesses distinguish between legitimate users and potential fraudsters, thereby reducing fraud losses and improving compliance with regulatory requirements. Key Features and Functionality: - Continuous Monitoring: The solution observes user behavior and device signals in real-time, from account opening to ongoing account management, enabling early detection of suspicious activities. - Behavioral Biometrics: Analyzes user interactions such as typing patterns, mouse movements, and navigation habits to identify anomalies indicative of fraudulent behavior. - Device Intelligence: Assesses device attributes, including operating system, device fingerprinting, and geolocation, to detect inconsistencies and potential risks. - Integration with CrossCore: Delivered through Experian's CrossCore platform, offering a unified view of fraud risk and seamless integration with existing fraud prevention tools. - Machine Learning Models: Utilizes supervised machine learning to optimize fraud detection while minimizing false positives, enhancing decision-making accuracy. Primary Value and Problem Solved: Experian's Behavioural Biometrics and Device Intelligence solution addresses the growing challenge of sophisticated online fraud by providing a multi-layered defense mechanism. It enables businesses to: - Enhance Fraud Detection: Identify and prevent complex fraud schemes, including account takeovers and identity theft, by analyzing behavioral and device-related anomalies. - Improve Customer Experience: Offer a frictionless user experience by passively monitoring interactions without additional authentication steps, reducing customer frustration. - Ensure Regulatory Compliance: Support compliance with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations by providing comprehensive insights into user behavior and device usage. - Reduce False Positives: Leverage advanced analytics to accurately distinguish between legitimate users and fraudsters, minimizing unnecessary disruptions for genuine customers. By integrating behavioral biometrics and device intelligence, Experian empowers organizations to proactively combat fraud, safeguard customer trust, and maintain regulatory compliance in an increasingly digital landscape.

Experian EV Insights for the Energy Sector (UK)

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Experian's EV Insights for the Energy Sector provides energy companies with advanced analytics and forecasting tools to effectively plan and predict energy consumption related to electric vehicle (EV) adoption. By integrating car ownership data from the Driver and Vehicle Licensing Agency (DVLA) with Experian's proprietary insights, this solution offers precise modeling and forecasts on EV uptake within specific areas. This enables energy providers to anticipate charging demand, optimize infrastructure development, and tailor their services to meet evolving customer needs. Key Features and Functionality: - Accurate Demand Forecasting: Utilizes comprehensive data to map out where and when charging demand is likely to occur, assisting in strategic infrastructure planning. - Consumer Insight Analysis: Identifies current and prospective EV owners, providing valuable information on consumer behavior and preferences. - Home Charging Assessment: Evaluates which consumers have access to home charging facilities versus those who will rely on public charging stations. - Intuitive Dashboards: Delivers insights through user-friendly dashboards or direct data integration into existing planning tools, facilitating informed decision-making. Primary Value and User Solutions: EV Insights for the Energy Sector empowers energy companies to make data-driven decisions regarding EV infrastructure and service offerings. By understanding the demographics and behaviors of EV adopters, energy providers can efficiently allocate resources, develop targeted marketing strategies, and enhance customer satisfaction. This proactive approach ensures that energy companies are well-prepared to meet the growing demand for EV charging, supporting a seamless transition to sustainable transportation solutions.

Experian eConsumerView (UK)

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Experian eConsumerView is a comprehensive online service designed to provide lenders with a detailed snapshot of an applicant's financial situation, facilitating faster and more informed credit decisions. By consolidating extensive financial data into a single, easy-to-analyze interface, eConsumerView enables businesses to assess creditworthiness efficiently, reducing the need for traditional documentation like bank statements or proof of employment. Key Features and Functionality: - Comprehensive Financial Overview: Access a wealth of personalized financial information, including insights from the UK's Fraud Prevention Service (CIFAS) and Credit Application Previous Search (CAPS) file, to identify potentially fraudulent applications and overcommitted credit users. - User-Friendly Interface: An intuitive platform that simplifies the analysis of complex financial data, ensuring even occasional users can navigate and interpret information with ease. - Efficiency and Cost Reduction: Streamline the lending decision process, reducing both time and operational costs associated with credit assessments. - Enhanced Customer Experience: Facilitate quicker access to credit or services for consumers by minimizing application complexities and wait times. - Fraud Risk Mitigation: Leverage data from CIFAS to detect and prevent fraudulent applications, safeguarding your business and customers. - Identification of Overcommitted Applicants: Utilize CAPS data to recognize frequent credit users who may be financially overextended, allowing for more responsible lending decisions. Primary Value and User Solutions: eConsumerView addresses the challenge of rapidly and responsibly assessing an applicant's creditworthiness in a competitive market where consumers expect swift service. By providing a consolidated view of an individual's financial circumstances, it empowers lenders to make confident, informed decisions while adhering to regulatory requirements. This not only enhances operational efficiency but also improves the customer journey by enabling faster access to appropriate credit products, ultimately fostering trust and satisfaction among consumers.

Experian AML Flags (UK)

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Experian's AML Flags is a comprehensive solution designed to enhance Know Your Business (KYB) processes by proactively identifying potential financial crimes. By analyzing data from key sources, AML Flags helps businesses detect suspicious activities and automate manual compliance tasks, thereby improving risk detection and customer experience. Key Features and Functionality: - Adverse Markers Analysis: Utilizes Companies House data to identify predictive characteristics indicating unusual behavior. This includes assessing business profiles, address profiles, ownership structures, and activity patterns to highlight entities requiring enhanced due diligence. - Cash Flow Profiling: Examines cash flow patterns to uncover trends that may signal financial crime, enabling early detection and intervention. - API Integration: Offers an AML Flags API accessible via Experian’s Developer Portal, allowing seamless integration into existing systems for real-time monitoring and analysis. Primary Value and User Solutions: AML Flags empowers organizations to transition from costly periodic remediation programs to trigger-based risk assessments, reducing workload and prioritizing cases based on specific risk conditions. By automating manual compliance processes, businesses can identify suspicious behavior earlier, onboard legitimate customers more confidently, and stay updated with changes to customer profiles and risk exposure. This proactive approach not only enhances compliance but also streamlines operations and improves overall customer satisfaction.

Experian Experian Price Comparison Services (UK)

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Experian Price Comparison Services is a comprehensive solution designed to enhance the customer journey by matching individuals with financial products that align with their unique financial profiles. By integrating Experian's eligibility scoring, product data, and commercial management services, businesses can offer a seamless and personalized experience to their customers. Key Features and Functionality: - Eligibility Scoring: Utilizes advanced algorithms to assess a customer's financial profile against a lender's application criteria, ensuring that only suitable products are presented. - Product Data Feed: Provides continuously updated information on a wide range of financial products, enabling accurate and up-to-date comparisons. - Commercial Management Services: Facilitates monetization of platforms from the outset by managing commercial agreements with lenders, eliminating the need for individual negotiations. - Flexible Integration Options: Available as a simple API connecting to the Experian Hub or as a white-labeled platform hosted by Experian, allowing for easy and secure deployment. Primary Value and Solutions Provided: Experian Price Comparison Services addresses the need for efficient and accurate matching of consumers to financial products, enhancing user satisfaction and trust. By confirming a customer's suitability for credit at the beginning of their journey, it saves time and reduces the likelihood of declined applications. This approach not only improves acceptance rates and maximizes commission earnings for businesses but also fosters customer loyalty by helping individuals manage their finances more effectively. The secure and rapid deployment options ensure that businesses can focus on acquiring and converting high-quality customers, ultimately boosting revenue and profitability.

Experian Intact (UK)

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Experian Intact is an online data management solution designed to help organizations maintain accurate and up-to-date customer information. By offering a suite of data cleansing, validation, suppression, and enhancement services, Intact ensures that businesses can effectively manage their customer databases, leading to improved marketing efficiency and compliance with data protection regulations. Key Features and Functionality: - Data Cleansing: Intact identifies and corrects inaccuracies within customer records, ensuring that personal information is complete and accurate. - Data Validation: The service verifies the accuracy of customer details, such as names, addresses, and telephone numbers, to ensure communications reach the intended recipients. - Data Suppression: Intact removes records of individuals who have moved, passed away, or opted out of communications, reducing the risk of sending unwanted or inappropriate messages. - Data Enhancement: By appending additional demographic and lifestyle information, Intact provides deeper insights into customer behavior, enabling more targeted and relevant marketing campaigns. Primary Value and Solutions Provided: Experian Intact addresses the challenges of maintaining accurate customer data in a dynamic environment where consumer information can quickly become outdated. By ensuring data integrity, Intact helps organizations reduce costs associated with undeliverable communications, enhance brand reputation by minimizing consumer annoyance, and comply with data protection regulations. The platform's user-friendly interface and 24/7 online access allow businesses to manage their data efficiently without requiring advanced technical knowledge. Additionally, Intact offers a free data audit, enabling organizations to assess the quality of their data and make informed decisions about necessary improvements.

Experian Club Canvasse (UK)

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Experian's Club Canvasse is a comprehensive data cooperative that aggregates transactional data from hundreds of retailers, encompassing a combined consumer base of 17.7 million individuals. This platform empowers members to gain deep insights into consumer purchasing behaviors, enabling them to identify and engage with optimal audiences for both acquisition and retention initiatives across multiple marketing channels. Key Features and Functionality: - Granular Transactional Data: Access to detailed transactional information from a diverse range of retail organizations and catalogue retailers. - Predictive Modeling: Utilization of Experian's advanced analytics to build predictive models that inform marketing strategies. - Multi-Channel Activation: Capability to implement marketing plans across various channels, including Direct Mail, Email, Programmatic Advertising, and Addressable TV. - Customer Profiling: Enhanced understanding of customer profiles to tailor marketing efforts effectively. - Data Security: Commitment to maintaining the highest standards of data security and compliance. Primary Value and Solutions Provided: Club Canvasse offers businesses the ability to leverage a vast pool of transactional data to refine their marketing strategies. By understanding customer profiles and purchasing behaviors, members can develop actionable marketing plans that are both efficient and effective. The platform's predictive models and multi-channel activation capabilities ensure that marketing efforts are targeted and consistent, leading to improved customer acquisition and retention rates. Additionally, Experian's emphasis on data security provides peace of mind, ensuring that all data is handled with the utmost care and in compliance with industry standards.

Experian Goad (UK)

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Experian Goad is a comprehensive retail property intelligence system designed to assist retail developers, property investors, planning professionals, and commercial agents in identifying profitable locations for retail property development and investment projects. It offers detailed retail location plans and user-friendly reports covering over 3,000 shopping areas across the UK and Ireland. Key Features and Functionality: - Extensive Coverage: Provides online access to accurate mapping data for more than 3,000 retail centres in the UK and Ireland. - Detailed Retail Unit Data: Allows querying of individual retail unit information, including activity, holding company, and use class. - Customizable Mapping Outputs: Enables generation of tailored mapping outputs with templates that include images, multiple map windows, and thematic data. - Trend Analysis: Facilitates analysis of retail evidence trends, such as vacancy rates, over specified periods. - GIS Compatibility: Supports integration with GIS formats like MapInfo, GeoConcept, and ArcGIS, making it easy to map, query, extract, and analyze key retail information. Primary Value and User Solutions: Experian Goad empowers users to make informed business decisions by providing up-to-date physical layouts of retail centres and detailed consumer propensities. This enables clients to: - Quickly search and analyze prime sites for retail property investments and developments. - Improve consumer demographic and expenditure analysis. - Enhance marketing collateral for lettings and disposals. - Boost retail property planning, development, and management strategies. By leveraging Experian Goad, users can effectively identify and capitalize on profitable retail locations, optimize their investment strategies, and enhance overall business performance in the retail sector.

Experian Delphi for New Business (UK)

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Experian's Delphi for New Business is a comprehensive suite of data and insights designed to empower businesses in making informed decisions during customer acquisition. In an era marked by evolving consumer behaviors, economic uncertainties, and stringent regulatory requirements, this tool provides granular insights into a customer's financial status, ensuring fair and responsible treatment. Key Features and Functionality: - Scorecards: Access the latest scores and data attributes, utilizing over 36 months of customer behavior trends to assess current and future creditworthiness. - Data Blocks: Customize scorecards with additional product and market-specific financial data blocks for tailored insights. - Trended Data: Capture credit usage and performance trends over 6, 12, 24, and 36 months to understand long-term financial behaviors. - Affordability IQ: Gain a frictionless understanding of an individual's income, stability, and source of funds, ensuring services align with a customer's true financial capacity. - Delphi Data Insights: Utilize Current Account Turnover (CATO) data to assess the impact of economic changes on a consumer's financial health, with fortnightly insights into income stability and account turnover. Primary Value and Solutions Provided: Delphi for New Business enables organizations to make more informed decisions, facilitating business growth while maintaining competitiveness without increasing risk. It enhances operational efficiency by providing rapid access to data, ensuring a seamless onboarding process. The tool also supports swift adaptation to evolving regulatory requirements, aiding compliance with conduct risk and Treating Customers Fairly (TCF) rules. By matching the right customers to appropriate products, businesses can maintain profitability while treating customers fairly and responsibly.