As the veil was lifted off the second annual #SuiteLife Awards, Experian Marketing Services, the recognized leader in data-driven marketing and cloud-based marketing technology, acknowledged several of the world’s premier brands for exceptional marketing campaigns. The second annual #SuiteLife Awards recognized brands that embody the idea of improving the customer experience through data and analytics while driving results for the business. “Consumers should always be at the forefront as brands develop and implement marketing campaigns. Each program should be able to answer the question: How can I add value to my customers and improve their experience?” said Matt Seeley, president, Global Experian Marketing Suite. “We are proud to recognize these brands as #SuiteLife Award winners and to work with them on a daily basis, because they exemplify what it means to create exceptional customer experiences.” Winners were announced during Experian Marketing Services’ 2016 Client Summit in Las Vegas, Nev. During the ceremony, the audience was asked to cast their vote for their favorite campaign. The People’s Choice Award went to American Eagle Outfitters, a leading global specialty retailer. 2016 #SuiteLife Awards winners include: Hilton Worldwide — Best Real-Time Contextual Marketing Campaign Hilton Worldwide developed a distinctive email marketing program that enabled the organization to provide highly personalized email messages to a large number of its HHonors members, while maintaining a reasonable level of effort and management of email resources. Pet Supplies Plus — Best Acquisition Campaign In an effort to increase sales and acquire new customers in underperforming locations, Pet Supplies Plus created a coupon incentive program that helped increase awareness of the brand. Throughout the customer acquisition campaign, Pet Supplies Plus was able to increase store sales by more than 10 percent, and it retained a significant number of customers post-promotional campaign. Finish Line — Best Cross-Channel Campaign Finish Line developed a thoughtful, creative cross-channel marketing campaign that engaged customers across various marketing channels, including ecommerce sites, display advertising, paid search, social channels and email, among others. Leveraging email interaction data from Experian Marketing Services, Finish Line retargeted customers and evolved its interaction through email channels and its mobile app. The campaign helped drive significant traffic, conversion, revenue and brand recognition. The Bon-Ton Stores Inc. — Best Mobile Campaign As part of the Very Merry Gift Guide campaign, The Bon-Ton Stores Inc. developed an innovative, unique and engaging experience for its most loyal customers. Using Experian Marketing Services, the company developed a mobile strategy that offered customers the opportunity to receive daily SMS/MMS mobile message reminders about its curated and personality-drive holiday gift guides. The mobile campaign exposed a breadth of products and allowed Bon-Ton to provide an added value to customers by helping to find the perfect gift for everyone on their list, through an interactive experience. MAC Cosmetics — Best Creative Campaign MAC Cosmetics created a unique, forward-thinking Halloween email marketing campaign that included animated video. Consistent with its focus on artistry and individuality, the email campaign series featured detailed instructional make-up videos, as well as product recommendations to help customers recreate the videos’ unique looks. Neiman Marcus — Best Innovation Campaign Neiman Marcus was recognized for its in-store technology, the MemoryMirror that bridged the gap between stores and online while simplifying the customer’s shopping experience. The technology enables customers to take a 360-degree video of an outfit, allowing the customer to see the item from all angles. By enabling email and social sharing of the video, Neiman Marcus customers can share the look on social media and through email. American Eagle Outfitters — Best “Data for Good” Campaign As a socially conscientious brand, American Eagle Outfitters has leveraged its email marketing program to support various social topics. The company’s lingerie and apparel brand, Aerie, created a campaign that shed light on self-acceptance and body-positivity. Since the marketing campaign was initiated, the brand has been recognized as a strong proponent in the social space and giving back to the community. “In order to stay ahead of the competition and adapt in today’s ever changing environment, brands need to provide customers with a meaningful journey and memorable experience,” said Jeffrey Wilks, executive vice president and general Manager, Experian Marketing Suite. “These brands are at the forefront of delivering on that ideology. Through their commitment to innovation and use of data and technology, these brands are able to intelligently interact with their customers and better serve their needs.” More than 1,000 marketers came together for Experian Marketing Services’ 2016 Client Summit, where they were able to network and attend breakout sessions to help them take their marketing campaigns to the next level. Featured speakers included: Ashley Graham, model, body activist and entrepreneur Adam Grant, author of Originals: How Non-Conformists Move the World and Give and Take: Why Helping Others Drives Our Success Barry Schwartz, author of Why We Work and The Paradox of Choice: Why More Is Less Richard Sherman, All-Pro cornerback for the Seattle Seahawks Lisa Leslie, former WNBA center and Olympian Kim Lewis, vice president of omnichannel marketing for Golfsmith Jim Murphy, executive director of marketing technology and operations for Hearst Magazines Sal Tripi, AVP of digital operations and compliance for Publishers Clearing House
Serasa today launches a new service that allows Brazilian consumers to check their credit reports online for free. By visiting serasaconsumidor.com.br or by downloading the SerasaConsumidor App on Google Play or iTunes, consumers can check if they are delinquent, what led them to this status and whether it relates to bank, credit card, financial, retail, utilities, protested securities, checks without funds or lawsuits checks. Consumers will also have information about lenders, such as telephones, address, email and website as well as the value of the debt and repayment date for the delayed debt. Additionally, the consumer can renegotiate the debt directly, without intermediaries, if the company is a partner of Serasa’s free service Limpa Nome Online. People can make a free online inquiry as often as they would like. To participate in the free online program, consumers must access serasaconsumidor.com.br and fill out a registration or enter an email address and password if already registered. The service is also available on mobile Apps Android and iOS. To properly verify the user accessing the information in Serasa, after the registration, the consumer must go through an authentication process. One of the steps is to enter the mobile number and confirm the validation code received via SMS. This validation is required only on the first access. For the director of SerasaConsumidor, Fernanda Monnerat, this new service presents the opportunity for consumers to easily and safely check the existence debts in a single digital environment. "It's another tool that we provide to Brazilians so they can have access to services that make possible, above all, their financial citizenship and ability to build a more sustainable relationship with the credit. Therefore, we reaffirm once again the commitment of Serasa with the consumer,” said Monnerat. Among other free services available on the SerasaConsumidor website, consumers can opt-in to the positive data initiative, which gathers information on the consumer’s payment history, measures their payment timeliness of debts and evaluates the risk of debt distress. Through the program, it is also possible to make a document alert and stolen checks alert. Free registration in Serasa helps to reduce risk of fraud and to avoid the challenges of having personal information used by scammers. Also on the website, users will find guidelines and tests on financial education on the newly launched page www.serasaconsumidor.com.br/organizar-financas.
Who doesn’t love a new car? That new car smell, the excitement of seeing less than 8 miles on the odometer, or the invigorating rush you feel when driving your new baby off the lot. There is nothing like it! Well, according to a recent study we did here at Experian, it’s not just speculation, but completely true – folks like new cars! In fact, according to the latest Automotive Market Share Trends and Registrations analysis the number of new vehicle registrations in Q1 2016 reached a record high, climbing 7.5 percent from Q1 2015 and up 86.9 percent since the lowest point following the Great Recession in 2009. The analysis also showed that the top vehicle segments for these new registrations were the entry level CUV (15.09 percent), Full-sized pickup (11.35 percent), small economy car (9.86 percent, and the mid-range car standard (9.48 percent). The top vehicle models that consumers chose and registered in Q1 2016 were the Ford F150, Honda Civic, Chevrolet Silverado 1500, Honda Accord and the Honda CR-V. Other areas covered in the analysis include: Vehicles in operation statistics Top registered manufacturers, makes and models Average vehicle age information Luxury segment market share Insights into the medium/heavy vehicle market Automotive aftermarket trends If you’d like to see the full report with additional information regarding this analysis, please view the webinar by clicking here.
Today, we stand at the forefront of a digital revolution that is reshaping the financial services industry. And, against this backdrop, financial institutions are at vastly different levels of maturity; the world’s biggest banks are managing large-scale infrastructure migrations and making significant investments in AI while regional banks and credit unions are putting plans in place for modernization strategies, and fintechs are purpose-built and cloud native. To explore this more, I recently had the privilege of attending the annual Reuters NEXT live event in New York City. The event gathers globally recognized leaders across business, finance, technology, and government to tackle some of today’s most pressing issues. On the World Stage, I joined Del Irani, a talented anchor and broadcast journalist, to discuss the future of lending and the pivotal role of data and AI in building a more inclusive financial system. Improving financial access Our discussion highlighted the lack of access to traditional financial systems, and the impact it has on nearly 100 million people in North America alone. Globally, the problem affects over one billion people. These people, who are credit invisible, unscoreable, or have subprime credit scores, are unable to secure everyday financial products that many of us take for granted. What many don’t realize is, this is not a fringe subset of the population. Most of us, myself included, know someone who has faced the challenges of financial exclusion. Everyday Americans, including young people who are just starting out, new immigrants and people from diverse communities, often lack access to mainstream financial products. We discussed how traditional lending has a limited view of a consumer. Like looking through a keyhole, the lender’s understanding of the person in view is often incomplete and obstructed. However, with expanded data, technology, and advanced analytics, there is an opportunity to better understand the whole person, and as a result have a more inclusive financial system. At Experian, we have a unique ability to connect the power of traditional credit with alternative data, bringing a more holistic understanding of consumers and their behaviors. We are dedicated to leveraging our rich history in data and our expertise in technology to create the future of credit and ultimately bring financial power to everyone. The future of lending After spending two days with over 700 industry leaders from around the world, one thing is abundantly clear: much like the early days of the internet, today, we are at the cutting-edge of a technical revolution. Reflecting on my time at Reuters NEXT, I am particularly excited by the collective commitment to drive innovative, and smarter ways of working. We are only beginning to scratch the surface of how data and technology can transform financial services, and Experian is positioned to play a significant role. As we look to the future, I am excited about the ways we will create new opportunities for businesses and consumers alike.
The advertising ecosystem has seen significant transformation over the past few years, with increased privacy regulation, changes in available signals, and the rise of channels like connected TV and retail media. These changes are impacting the way that consumers interact with brands and how brands understand and continue to deliver relevant messages to consumers with precision. Experian has been helping marketers navigate these changes, and as a result, our marketing data and identity solutions underpin much of today’s advertising industry. We’re committed to empowering marketers and agencies to understand and reach their target audiences, across all channels. Today, we are excited to announce our acquisition of Audigent—a leading data and activation platform in the advertising industry. With Audigent’s combination of first-party publisher data, inventory and deep supply-side distribution relationships, publishers, big and small, can empower marketers to better understand their customers, expand the reach of their target audiences and activate those audiences across the most impactful inventory. I am excited to bring together Audigent’s supply-side network as a natural extension to our existing demand-side capabilities. Audigent’s ability to combine inventory with targeted audiences using first-party, third-party and contextual signals provides the best of all worlds, allowing marketers to deliver campaigns centered on consumer choices, preferences, and behaviors. The addition of Audigent further strengthens our strategy to be the premier independent provider of marketing data and identity, ultimately creating more relevant experiences for consumers. To learn more about Experian and Audigent, visit https://www.experian.com/marketing/ and https://audigent.com/.
When it comes to cybercriminals and threat vectors, we need to expect the unexpected. Experian’s 12th annual Data Breach Industry Forecast highlights several potential trends for 2025, with AI playing a central role. This year has already seen more data breaches and impacted consumers than 2023, indicating that global data breaches are not slowing down. Some things to watch out for next year includes the potential for more internal fraud. As companies train employees on AI, there is a growing risk that some will misuse their knowledge for internal theft and sourcing sensitive information. Another trend may be cyberattackers targeting large data centers, with the growth of generative AI introducing power as a new attack vector. It’s reported that a single ChatGPT query uses significantly more electricity than a standard Google search, making data centers and cloud infrastructure vulnerable, especially in countries with varying security standards. We expect AI-related attacks to dominate the headlines next year and investments in cybersecurity will increase to tackle this emerging threat, as hackers leverage AI for phishing, password cracking, malware, and deepfakes. Jim Steven, Head of Crisis and Data Response Services at Experian Global Data Breach Resolution in the UK, anticipates that global data breaches will persist at their current rate next year. He notes that ransomware attacks are likely to become even more sophisticated with the integration of AI. Additionally, Steven predicts that threat actors will escalate their tactics to achieve greater rewards, and the misuse of consumer data to damage reputations will increase in 2025. To access the complimentary report, click here.