

Experian's Know Your Business (KYB) solution is designed to help organizations verify the identity and legitimacy of businesses and their owners. By integrating multiple layers of risk detection, it ensures comprehensive due diligence, enabling companies to identify and mitigate potential risks associated with financial crimes such as money laundering and fraud. Key Features and Functionality: - Multi-Source Data Corroboration: Utilizes over 20 diverse data sources to provide a thorough understanding of business customers, ensuring accurate verification. - Ultimate Beneficial Owner (UBO) Identification: Identifies and authenticates individuals who own or control a business, including those hidden within complex corporate structures. - Enhanced Authentication: Accesses restricted data, such as residential addresses and dates of birth, to verify directors and Persons of Significant Control (PSCs). - Automated Processes: Streamlines verification procedures, reducing manual processing time and operational costs while improving customer onboarding experiences. - Ongoing Monitoring: Continuously monitors business relationships to detect and respond to any changes or suspicious activities promptly. Primary Value and Problem Solved: Experian's KYB solution addresses the critical need for businesses to perform thorough due diligence on their partners, suppliers, and clients. By providing comprehensive verification and continuous monitoring, it helps organizations comply with regulatory requirements, prevent financial crimes, and make informed decisions. This not only safeguards the business from potential risks but also enhances operational efficiency and trust in business relationships.

Experian's Financial Health Risk Flags are designed to help businesses proactively identify early signs of financial distress among their customers. By detecting these indicators before arrears occur, companies can intervene promptly, offering support to customers and mitigating potential losses. Key Features and Functionality: - Early Detection: Utilizes advanced analytics to spot initial signs of financial stress in customers. - Proactive Intervention: Enables businesses to act before customers fall into arrears, facilitating timely support. - Regulatory Compliance: Assists in adhering to Consumer Duty regulations by ensuring customer well-being. - Customer Protection: Helps safeguard customers from escalating financial difficulties through early engagement. Primary Value and User Benefits: Financial Health Risk Flags empower businesses to maintain healthier customer relationships by addressing financial issues proactively. This approach not only reduces the risk of bad debt but also demonstrates a commitment to customer care, enhancing trust and loyalty. Additionally, it supports compliance with regulatory standards, ensuring that companies meet their obligations under Consumer Duty.

Experian's ChannelView is a comprehensive solution designed to help organizations effectively target and engage relevant audiences across various online and digital marketing channels. By integrating permissioned data from trusted partners, ChannelView constructs a unified database of linkage identifiers, such as email and mobile records, connected to verified names and addresses. This integration, combined with Experian’s ConsumerView insights and segmentation solutions, provides a deeper understanding of target audiences, enabling consistent communication across multiple platforms, including social media, display advertising, and addressable TV. Key Features and Functionality: - Offline to Online Connectivity: Bridges the gap between offline marketing audiences and online digital channels, ensuring cohesive and targeted outreach. - Digital Data Enrichment: Enhances digital CRM systems by linking them with Experian’s core modeled attributes, propensities, and segmentations, enriching customer profiles. - Simple Integration: Offers access via API for data enrichment and through Experian's Bureau Delivery team for online audience activation, facilitating seamless integration into existing systems. - Continuous Data Enhancement: Rebuilt monthly to maintain high data quality and adhere to data subject preferences, ensuring up-to-date and compliant information. - Utilization of Experian Insights: Connects digital identifiers to Experian’s consumer behavioral insights, enabling informed decisions about digital marketing strategies. Primary Value and User Solutions: ChannelView addresses the challenge of reaching the right consumers by providing a consistent and comprehensive view of target audiences across both offline and online channels. By leveraging enriched data and insights, organizations can enhance their marketing strategies, improve customer engagement, and drive growth through more effective and personalized communication.

Experian Partner Audiences is a comprehensive solution designed to enhance marketing strategies by providing access to a diverse range of audience segments beyond Experian's standard ConsumerView offering. This service enables businesses to target specific consumer groups more effectively, leveraging data from various sectors such as Health and Beauty, Spend Trends, House Movers, and Automotive Value Segments. By integrating these additional insights, companies can refine their marketing efforts, ensuring messages reach the most relevant audiences across multiple channels, including social media and Connected TV. Key Features and Functionality: - Extensive Audience Selection: Offers hundreds of additional segments, allowing marketers to identify and target niche consumer groups based on specific criteria. - Centralized Access: Provides a unified platform where all audience data is consolidated, eliminating the need to coordinate with multiple suppliers. - Seamless Integration: Compatible with Experian’s Audience Engine platform and can be activated directly within various marketing channels, ensuring smooth deployment of campaigns. - Consistent Linkage: Utilizes common identifiers like Mosaic and other Experian variables to maintain consistency and accuracy across different datasets. - Exclusive Partnerships: Collaborates with select partners to offer unique audience insights not readily available elsewhere. Primary Value and User Solutions: Experian Partner Audiences empowers businesses to enhance their marketing precision by providing access to a broader spectrum of consumer data. This expanded insight allows for the creation of more personalized and effective marketing campaigns, leading to improved customer engagement and higher conversion rates. By consolidating diverse audience information into a single platform, it simplifies the marketing process, reduces operational complexities, and ensures compliance with data privacy standards. Ultimately, this service addresses the challenge of reaching the right audience with the right message, optimizing marketing investments, and driving business growth.

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Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and software. We also assist millions of people to realise their financial goals and help them to save time and money. We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments. We invest in talented people and new advanced technologies to unlock the power of data and to innovate. A FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 25,100 people across 32 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.