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Screening With rising insurance costs, deductibles and copays, some people struggle to afford the out-of-pocket expense that can come with seeking medical treatment. Because of this, some consumers decide not to seek treatment, which could have negative effects on their health and overall well-being.

Published: June 17, 2015 by Editor

A recent study conducted by Experian showed that a majority of vacationers overspend their budgets and rely on credit cards to provide extra funds. At the extreme end, more than half of millennial vacationers (52 percent) lean heavily on their credit cards, racking up vacation debt they’ll be repaying long after their trip comes to an end.

Published: June 17, 2015 by Editor

Emotional-Finance The following article is a guest post from, John C. Linfield, Executive Director at the Institute for Financial Literacy At the end of “Financial Literacy Month” here in the United States, it seems appropriate to take a moment and think about why we should become financially literate, and how we can use that to stay on track for the long term.

Published: May 15, 2015 by Editor

At Experian we believe that data is good. Good for our economy, good for consumers and good for society. Analytics and technology designed to help marketers put their data to use and become truly customer-centric is just one example of using data as a force for good. The following column was written by Emad Georgy, senior vice president of development and global head of development at Experian Marketing Services, as part of a “Data-Driven Thinking” series for AdExchanger.

Published: May 5, 2015 by Editor

Craig_Boundy_Vision Today Experian Vision 2015 conference kicked off to great start with a full house here to learn the latest about how data and analytics can transform the way we do business today, drive growth and solve some of our biggest business challenges.

Published: May 4, 2015 by Kelsey Audagnotti

Maxine-Odom Award 2-2015 The following article is a guest post from Laura Levine, president and CEO of the Jump$tart Coalition for Personal Financial Literacy® As we wrap up another Financial Literacy Month, it’s fun to look back at how far we’ve come; important to look forward at how much further we have to go; and compelling to look closely at how we’re making a difference.

Published: May 1, 2015 by Editor

Payments Report Cover2 In the wake of some of the largest data breaches in history, which were specifically payment card breaches, we thought it would be insightful to take a closer look at how companies are dealing with the aftermath.

Published: May 1, 2015 by Michael Bruemmer

Balancing holiday marketing efforts with fraud prevention requires a coordinated approach according to survey findings from 41st Parameter, a part of Experian. The survey results from 250 marketers released today, looks at the relationship between omnichannel retailing, fraud prevention and the holiday shopping season. The findings show that few marketers understand the full benefit of fraud-prevention systems on their activities as 60 percent of marketers were unsure of the cost of fraud to their organization. The survey also indicated that 40 percent of marketers said their organization had been targeted by hackers or cybercriminals. Download the Holiday Marketing Fraud Survey: http://snip.ly/JoyF With holiday shopping in full stride, 35 percent of businesses said they planned to increase their digital spend for the 2014 holiday season. Furthermore, Experian Marketing Services reported that during 2014, 80 percent of marketers planned on running cross-channel marketing campaigns. As marketers integrate more channels into their campaigns, new challenges emerge for fraud-risk managers who face continuous pressure to adopt new approaches. Here are three steps to help marketers and risk managers maintain a frictionless experience for customers: Marketers should communicate their plans early to the fraud-risk team, especially if they are planning to target a new or unexpected audience. Making this part of the process will reduce the chances that risk management will stop or inhibit customers. Ensure that marketers understand what the risk-management department is doing with respect to fraud detection. Chances are risk managers are waiting to tell you. Marketers shouldn’t assume that fraud won’t affect their business and talk to their risk-management division to learn how much fraud truly costs their company. Then they can understand what they need to do to make sure that their marketing efforts are not thwarted. “Marketers spend a great deal of time and money bringing in new customers and increasing sales, especially this time of year, and in too many cases, those efforts are negated in the name of fraud prevention,” said David Britton, vice president of industry solutions, 41st Parameter. “Marketers can help an organization’s bottom line by working with their fraud-risk department to prevent bad transactions from occurring while maintaining a seamless customer experience. Reducing fraud is important and protecting the customer experience is a necessity.” Few marketers understand the resulting impact of declined transactions because of suspected fraud and this is even more pronounced among small businesses, with 70 percent saying they were unsure of fraud’s impact. Fifty percent of mid-sized business marketers and 67 percent of large-enterprise marketers were unsure of the impact of fraud as well. An uncoordinated approach to new customer acquisition can result in lost revenue affecting the entire organization. For example, the industry average for card-not-present declines is 15 percent. However, one to three percent of those declined transactions turn out to be valid transactions, equating to $1.2 billion in lost revenue annually. Wrongfully declined transactions can be costly as the growth of cross-channel marketing increases and a push towards omnichannel retailing pressures marketers to find new customers. “Many businesses loosen their fraud detection measures during high peak time because they don’t have the tools to review potentially risky orders manually during the higher-volume holiday shopping period,” said Britton. “Criminals look to capitalize on this and exploit these gaps in any way possible, taking an omnifraud approach to maximizing their chances of success. Striking the right balance between sales enablement and fraud prevention is the key to maximizing growth for any business at all times of the year.” Download Experian’s fraud prevention report to learn more about how businesses can address these new marketing challenges.  

Published: December 17, 2014 by Editor

World Cup fans will be watching the 2014 games across multiple devices, often simultaneously, according to an analysis from Experian Marketing Services, a global provider of integrated consumer insight, targeting, data quality and cross-channel marketing. Specifically, World Cup fans are 31 percent more likely than average to watch online video across multiple devices, with 64 percent of adult fans watching online video during a typical week, compared with 49 percent of all adults. This is according to Experian Marketing Services’ National Consumer Survey, a nationally representative, continuously fielded survey of approximately 25,000 U.S. adults, including both English and Spanish speakers.

Published: June 11, 2014 by Scott Anderson

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