Experian Podcast Series

Experian Podcast Series

By ExperianBusiness
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Experian Podcast Series episodes

  • Key regulatory challenges banks and lenders face during the post-pandemic period

    Regulatory compliance is vital to the continued prosperity of the financial industry and everyone it supports.

    Part of the route to ensuring compliance is by making sure risk management models are robust and resilient to changing market pressures.
    Data and analytics can play a strong role helping to test those models, as they enable institutions to apply them to situations based on real insights.

    Discover more here https://experianacademy.com/blog/2020/11/26/regulatory-challenges-in-the-post-pandemic-period/

    13 min
  • Maintaining accurate pictures of at-risk customers and safeguarding the business from the impact of payments holidays and moratoria

    Right now, one of the biggest challenges for collections teams is trying to keep their costs down while providing an efficient and effective customer experience.

    At the same time, many businesses are struggling to identify at-risk customers who have the greatest probability of entering financial difficulty and making it harder to the stop then moving into collections.
    But by pro-actively targeting higher-risk customers before they enter collections, businesses can significantly reduce the costs to collect and overall loan provisioning.

    Discover more https://experianacademy.com/blog/2020/11/26/impact-of-payments-holidays-and-moratoria/

    8 min
  • Adopting predictive Early Warning Systems to safeguard financially fragile borrowers

    This podcast is about how banks and lenders can use Early Warning Systems (EWS) to help financially fragile customers. EWS enable lenders to identify fragile customers significantly early and this opens opportunities for better outcomes for both the customer and the lender. Early resolution makes it more likely that the customer retains the collateral and a higher proportion of the bank’s customers remain as performing.

    Lenders that used EWS to offer data driven, individualised solutions to customers achieved both better profitability and higher customer satisfaction.

    Discover more here https://experianacademy.com/blog/2020/11/26/predictive-analytics-to-safeguard-financially-fragile-customers/

    14 min
  • How digital transformation delivers friction-free identity authentication and seamless experiences?

    Many organisations have gaps in their digital transformation strategy and are facing challenges amid the urgent need to accelerate to fully serviced digital operating models. While some businesses have adapted, many are struggling.

    But successful identity trust and identity risk are now central to any digital business model. The way in which identity authentication and seamless experiences are delivered, will also be critical factors in determining whether businesses can make the most of their opportunities.

    Discover more here https://experianacademy.com/blog/2020/11/26/digital-transformation-and-seamless-experiences/

    8 min
  • How Open Banking and digitisation are drivers for financial inclusion and responsible lending

    Financial inclusion is critical to driving day-to-day financial wellbeing, economic growth and job creation across our region.

    Consumers need access to credit, while SMEs need quick accurate lending decisions.
    We outline how Open Banking can offer improved access to finance for millions more sole-traders, SMEs and micro-businesses. PSD2 solutions, with the support of AI, also provide a 360-degree customer view to offer timely insight into a customer’s affordability and offer them the right products to serve their needs.

    Discover more here https://experianacademy.com/blog/2020/11/26/open-banking-and-digitisation/

    18 min
  • How credit risk assessment has changed in the pandemic era

    The pandemic, numerous lockdowns and evolving economic circumstances across our region have had a massive impact on income and cash flow for individual consumers, small businesses and sole traders alike. It has affected tens of millions of people.

    As a result, banks and lenders need to get as clear a picture of customers exposure to risk as possible, during a very short and rapidly changing time period.  We will discuss the best routes to now take in assessing risk and informing decision-making. Discover more here 

    7 min
  • Maintaining accurate pictures of at-risk customers and safeguarding the business from the impact of payments holidays and moratoria

    Right   now, one of the biggest challenges for collections teams is trying to keep   their costs down while providing an efficient and effective customer   experience.

       At the same time, many businesses are struggling to identify at-risk   customers who have the greatest probability of entering financial difficulty   and making it harder to the stop then moving into collections.
       But by pro-actively targeting higher-risk customers before they enter   collections, businesses can significantly reduce the costs to collect and   overall loan provisioning.

    8 min
  • How the adoption predictive analytics can help safeguard financially fragile and at-risk customers?

    Being able to understand the financial situation of each customer beforehand and   then acting appropriately with foresight, will immediately win a competitive   advantage.

       Prevention is always better than the cure. Now more than ever, pre- and   early delinquency management strategies are vital in managing debt.
       Forward-thinking lenders are making the transition from being reactive to   incorporating pro-active pre-active and early collections activity, to reduce   the flow of cases into collections.

    10 min
  • How credit risk assessment has changed in the pandemic era

    The   pandemic, numerous lockdowns and evolving economic circumstances across our   region have had a massive impact on income and cash flow for individual   consumers, small businesses and sole traders alike.

       It has affected tens of millions of people.
       As a result, banks and lenders need to get as clear a picture of customers   exposure to risk as possible, during a very short and rapidly changing time   period.
       We will discuss the best routes to now take in assessing risk and informing   decision-making.

    7 min
  • How Open Banking and digitisation are drivers for financial inclusion and responsible lending

    Financial   inclusion is critical to driving day-to-day financial wellbeing, economic   growth and job creation across our region.

       Consumers need access to credit, while SMEs need quick accurate lending   decisions.
       We outline how Open Banking can offer improved access to finance for   millions more sole-traders, SMEs and micro-businesses. PSD2 solutions, with   the support of AI, also provide a 360-degree customer view to offer timely   insight into a customer's affordability and offer them the right products to   serve their needs.

    20 min

About Experian Podcast Series

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What are the emerging challenges in the financial business after the post-pandemic period. How the credit risk management and the fraud prevention are changed in those few months? What is the new…