The growing prevalence of widely publicized data breaches is sparking a change in the attitudes of business leaders and consumers when it comes to cybersecurity.
Board members and the C-suite can no longer ignore the drastic impact a data breach has on company reputation, and consumers are demanding more communication and remedies from businesses after a data breach occurs. As a result, the topic is a high priority facing businesses and regulators in 2015.
The Experian Data Breach Resolution group serviced more than 3,000 breaches in 2014, the most in more than a decade of handling breach resolution. While our data breach services and identity protection products assist companies after a breach has occurred, our experience and insights help companies beforehand to plan and better protect their reputations in the aftermath.
How does Experian use data to help people get a firmer steer on their financial lives? In this film, our Experian CreditExpert customer Claire Barron tells us how we helped her get back on her feet, and we look at what’s next for our Consumer Services business.
In Marketing Services, we help our clients understand consumers and communicate in the right way, to the right people. This film reveals how we’re helping global charity phenomenon Movember and Europe’s biggest attractions company, Merlin, to make better marketing decisions.
This film looks at how we’re helping client to expand banking services to new customers. It also uncovers how our expertise in software and analytics are helping financial services providers overcome some of their biggest challenges by making sound lending decisions.
Experian has been named a Top Workplace by the Orange County Register.
This award means something special to us. We work really hard at making Experian a workplace where people feel good about spending their time. As you can imagine, this isn’t something that’s easy to measure. Being named as a “Top Workplace” is based on employee’s opinions of their employers.
The award validates that what we’re doing is working. It validates that Experian employees enjoy coming to work and like how things are going.
When we’re successful with our efforts to create a positive work environment, that’s a big deal. It’s important because it has a positive impact on our employees, consumers, our clients, and our community.
Today, Experian operates across a number of different industry sectors known as Verticals. The US Automotive sector is a trillion dollar industry. Experian Automotive provides services to every part of the industry; manufacturers, lenders and dealers. In this film, we take a look at how our data can enable car dealerships to identify new customers and match them up with the right vehicle that they can afford.
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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/.