Launch of AdTruth Resolve simplifies cross-device audience management for marketers Experian Marketing Services, today, introduced AdTruth Resolve, a new technology designed to simplify the process of recognizing and engaging audiences across all devices and environments. AdTruth Resolve is designed for the multinational marketer that struggles to make smarter, more data-driven business decisions and keep up with today’s mobile-first consumer. AdTruth Resolve provides marketers with the means to reconcile and associate their existing digital identifiers — including cookies, device IDs, IP addresses and more — and then leverage that consolidated intelligence for visibility across devices. AdTruth Resolve represents another milestone in Experian Marketing Services’ long-term strategy to provide marketers with a ubiquitous, consistent and persistent link across all channels as part of the Experian Marketing Suite. Powered by a three-tiered identity-management framework, the Experian Marketing Suite’s Identity Manager gives marketers everything they need to persistently, accurately, effectively and respectfully recognize, resolve and reach consumers across all devices in all digital environments. “The AdTruth Resolve technology is meant to address the needs of both the data owners and the consumers in the digital ecosystem,” said Matt Seeley, president at Experian Marketing Services, North America. “Our AdTruth Resolve technology functions within a company’s own data and technology environment, enabling marketers to focus on leveraging their data assets within their existing tools and services. It is an excellent extension to the Experian Marketing Suite’s Identity Manager and will further enrich the customer view we are already providing to our marquee clients.” AdTruth Resolve uses a process called digital identification resolution to remove the need for organizations to piece together and manage the vast amount of identification data variables themselves. AdTruth Resolve identifies, reconciles and associates a company’s existing digital identification data assets, allowing the consolidated data to be used throughout its digital marketing stack and across the entire digital ecosystem in a privacy-mindful way. AdTruth is known for DeviceInsight™, a statistical device-recognition technology that delivers a privacy-compliant way to associate online activity with a specific device. AdTruth Resolve continues Experian’s consumer-privacy-minded technology development by facilitating broader opt-out capabilities. “Marketers and publishers have struggled to deliver consistent, targeted messages across the entire digital landscape because their customer data resides in so many different systems,” said James Lamberti, vice president and global general manager of AdTruth. “By implementing AdTruth Resolve, marketers have full control over, and can take full advantage of, their own customer data to address this situation. AdTruth Resolve is a smart product for achieving a consolidated customer view that protects an organization’s data and respects consumer privacy as well.” The Experian Marketing Suite was designed to be flexible, giving clients complete control over the components necessary to power their programs. As a client’s campaign requirements and complexity evolve, they can easily take advantage of the functionalities across the Marketing Suite’s three core managers: Identity Manager, Intelligence Manager and Interactions Manager. Similarly, the AdTruth Resolve technology can be used as an integrated part of the overall Marketing Suite or incorporated into a company’s existing tools and services. Click here for more information about AdTruth Resolve.
Years ago, when data was the shiny new object, people talked a lot about it being organized into useful information that could drive actionable insights. It sounded great at the time. Unfortunately, at that time (and we’re talking about the late 90s and early 00s) the promise far outstripped the reality. However, in the past five years the responsible collection and usage of data has significantly evolved. In fact, we see that 95 percent of companies feel driven to turn data into insight to understand their customer needs, find new customers and increase the value of each client. Today, successful businesses are drawing meaningful insights from data to impact almost every aspect of business operations. But what actually makes data valuable? How can this incredible volume of information be converted into action? In its rawest form data really isn’t all that useful. A name here, an email address there, and purchase intent somewhere else. But responsibly collecting and connecting those data is the key, and it’s also a complex task that almost all businesses struggle with. Accomplishing this task – turning insights into action – is what we do, and it’s something we do better than others. Transforming insights into action can take many different forms. It can mean helping marketers communicate with customers in more meaningful and effective ways; helping consumers secure loans that are right for them; or helping businesses protect themselves against risk. Given what we do at Experian Marketing Services, it’s that first point I’d like to focus on. How do we approach data so that it has the greatest value for marketers and their customers? First and foremost, we treat data with respect and protect it rigorously. For some it may be easy to forget that each and every bit of consumer information out there has its roots in a real person. This is something we never forget or take for granted at Experian. We hold ourselves to a higher standard when it comes to working with and managing consumer information. That ethos is in our DNA, and is the foundation of everything we do. Equally important is ensuring information quality. For a marketer, accurate information is critical. Before you can reach out to a customer you need to have a high degree of confidence that you are reaching the right customer. In many respects, inaccurate data is a bigger problem than a dearth of information. Why? Today we see a little over a quarter of information is believed to be inaccurate in company databases. That high degree of error dramatically impacts marketing success, but also the business bottom line. The final piece of the puzzle is making that highly accurate and well-protected information available when, where and how it’s needed. This means being steeped in the innovation that is part and parcel of the integrated marketing mix. Our Experian Marketing Suite provides marketers with the ability to plan, manage, execute and optimize all of their customer interactions in real time across any channel. And this is critical as today’s consumer moves seamlessly between media channels. She may be reading an email one minute, browsing the Web in the next and scanning Facebook on the phone in the one after that. This reality of the consumer device experience creates opportunities for marketers to meet the consumer where they are with messages that make the most sense, at the right time. For example, promoting the latest episode of a popular program to a streaming-enabled device in the evening is an actionable impression and one likely to be welcome by a fan. When this type of interaction happens, consumers often don’t think twice, they simply appreciate the natural and timely delivery of relevant information. Information needs to inform every consumer engagement in today’s cross-channel world. We’re able to deliver this through our strong foundation in marketing technology, our appreciation and understanding of today’s platforms, apps and devices, and by keeping an eye on the future. We recognize that consumers live in an increasingly diverse digital world. We understand that the data – accurate data that provides a great experience for consumers and marketers alike – is an asset like no other. It’s the bedrock on which so many businesses, relationships and experiences are built. Serving as responsible stewards of that data through the technology and services we provide has allowed Experian Marketing Services to play a central and trusted role for marketers around the world.
Experian announced today that its 34th annual Vision Conference will challenge attendees to “Think Big,” focusing on data- and analytics-driven solutions to attain quality business growth. One of the industry’s leading events, Vision 2015 will feature Earvin “Magic” Johnson, Jr., legendary NBA athlete and businessman; Dr. Madeleine K. Albright, former U.S. Secretary of State; and James W. Paulsen, Chief Investment Strategist at Wells Capital Management, as keynote speakers. Vision 2015 will be held May 3–6 at the Gaylord National Resort in the Washington, D.C. Area. Each year, Vision combines in-depth research, cutting-edge technology and expertise from industry leaders to help Experian’s clients strengthen their balance sheets and plan for sustained growth. “In the data-driven economy, trusted insights are more important than ever before, especially as businesses continue to face increased scrutiny over their practices and attempt to navigate a complicated regulatory landscape,” said Lloyd Parker Jr., group president of Credit Services, Experian North America. “The Vision 2015 Conference will convene the brightest minds to speak about a wealth of trends and topics that can be applied directly to business strategies.” This year’s theme of “Think Big: Data. Analytics. Insights. Growth” will be explored through more than 80 breakout sessions with thought-provoking perspectives, best practices and solutions for addressing emerging business issues for clients: Beyond Financial Services — Beyond Financial Services will feature experts and clients across a variety of industries who will share tested approaches to improving both the customer experience and confidence in business, as well as ways to increase the stability and soundness of portfolios, launch effective digital-marketing campaigns and optimize understanding of auto industry opportunities. Commercial Lending Insight — The Commercial Lending Insight track will deliver unique perspectives on managing credit risk, improving operating margins and other portfolio management issues that commercial and small-business lenders continue to face today. Peers and industry experts will lead thought-provoking sessions exploring a broad range of topics — from acquisitions to loan management — that will have attendees re-evaluating how they approach their commercial lending practices. Data and Analytics — The Data and Analytics track will cover the innovative ways Experian and its clients are responding to the newest challenges and opportunities in today’s rapidly expanding data environment. Session topics will include new technologies, best practices and real-world case studies. Fraud Prevention — Fraud Prevention will feature discussions with service providers and industry leaders on current and emerging fraud prevention and identity authentication techniques spanning private, public and healthcare sectors, as well as strategies for improvements to current operational processes and future road maps. Hot Topics — Hot Topics will explore innovations and new concepts related to the challenges of the ever-changing market through panels and case studies featuring industry experts on the regulatory environment, social media impacts to assessing credit risk, improved loss forecasting, model governance and treatment of medical collection trades. Hot Topics also will cover the growth of mobile offers through optimization tools and unique analyses of millennial borrowers. Making Big Decisions — This track will deliver unique and valuable perspectives on lender decisions through discussions on new data assets and processes across customer acquisition, account and customer management, loss mitigation and collections. Public Sector — Public Sector clients will hear from industry experts and learn about best practices in data, analytics and advanced technologies at a variety of sessions covering data, fraud prevention, improved revenue streams, population shifts and community planning. Targeted Growth — The Targeted Growth track will provide insights into strategies for acquiring new consumers, including enhanced targeting based on current consumer behaviors, moving beyond traditional methods into digital channels and using data analysis to find your next best customer. Who Should Attend Vision Experian’s Vision Conference has proven valuable to attendees across a broad spectrum of industries. Each year, participants range from C-level executives to business line management and functional roles, including credit and collections management, business development, consumer and commercial lending, analytics, modeling and fraud management. Learn more about Vision 2015 and follow us on Twitter at @ExperianVision and our LinkedIn community.
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.