Tech & Innovation

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At Experian, we are continually innovating and using technology to find solutions to global issues, modernize the financial services industry and increase financial access for all.

DEI

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Our deep commitment to social and financial inclusion is reflected in our workplace culture, our partnerships and our efforts to break down the barriers to financial equity.

Financial Health

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Our initiatives are dedicated to getting tools, resources and information to underserved communities so that consumers can best understand and improve their financial health.

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San Diego Mayor Kevin Faulconer Joins Experian to Open New Data and Innovation Lab

On Tuesday, Experian held a press conference and ribbon cutting ceremony with San Diego Mayor, Kevin Faulconer to announce and celebrate the expansion of the data and innovation lab in North America. The new 10,000 square-foot state-of-the-art facility will allow Experian to use breakthrough experiments to good things with data.  Mayor Faulconer spoke about creating innovative jobs and opportunities in San Diego and welcomed the growth, ingenuity and creativity that Experian’s talented employees will bring to San Diego. Eric Haller, Executive Vice President of Experian’s DataLabs, joined Mayor Faulconer in addressing the three major broadcast news networks in San Diego, as well as reporters from the San Diego Business Journal, San Diego Union-Tribune and Reuters. “At this point, I’d like to think of this not as a finish line for our labs but a starting point. We have a lot of great opportunity ahead of us, and we hope that in this lab we'll start to achieve our vision around the future of banking, retail and automotive,” said Haller. Experian DataLabs currently staffs 30 employees in San Diego and plans on doubling the team within this year. Click the links below to view media coverage from the event. http://app.criticalmention.com/app/#clip/view/22084420?token=f65a02f2-ab51-4766-9f99-deeee5ec8788

Apr 14,2016 by

Experian Expands Data and Innovation Lab to State-Of-The-Art Facility in San Diego

Experian has expanded its growing North America DataLabs in San Diego to further innovation and enable leading data scientists to help clients and businesses solve strategic marketing and risk management problems through advanced data analysis processes, research and development. This new state-of-the-art facility will be equipped with beacons, biometrics and emerging technologies to keep Experian on the forefront of innovation. “We are proud that Experian has selected San Diego as home for its new innovation lab facility. This commitment from an information services giant like Experian is further validation that companies are expanding, growing and helping us to create more jobs in San Diego,” said San Diego Mayor Kevin L. Faulconer. “San Diego is indeed a world-class city of innovation, and our highly skilled scientific and technology talent is clearly helping to make San Diego a destination for new businesses, jobs and opportunities.” Experian DataLabs is staffed by teams of Ph.D. scientists and applied research practitioners with expertise in advanced analytics and modeling, as well as other statistical methods. The labs provide access to Experian resources such as broad and secure consumer and commercial credit data and demographics, which can guide Experian clients in determining their approaches. Projects often tackle high-dimensionality problems where computer science, applied mathematics and business acumen intersect to create solutions that can be   implemented cost effectively. The first innovation lab was launched five years ago to provide clients with innovative techniques and applications to capture the value hidden within their data assets. The labs allow data scientists to conduct breakthrough data experimentation to present a larger picture and deliver greater competitive advantages. “We want to provide our team with an environment that will further inspire them, spark their powerful creativity and drive innovation for Experian and our clients,” said Eric Haller, executive vice president, Experian Global DataLabs. “I’m so very proud of the team and to be part of a truly innovative and entrepreneurial company like Experian that had the foresight five years ago to allow us to create these labs. The future is bright for us and our clients, and I can’t wait to see the good things with data that will come out of this new facility.” Experian DataLabs operates globally with labs in San Diego, Calif.; London, England; and São Paulo, Brazil. Click here to view video coverage from yesterday's ribbon cutting ceremony featuring San Diego Mayor Kevin Faulconer and Executive Vice President of Experian DataLabs, Eric Haller.

Apr 13,2016 by

Experian Marketing Services Releases 2016 Digital Marketer Report

Experian Marketing Services released its 2016 Digital Marketer Report. The eighth annual study reveals the challenges, priorities and other key issues impacting marketers worldwide. This year, the top challenge marketers faced also is their top priority: knowing their customers’ needs, wants and attitudes. Thirty-eight percent of marketers cited knowing their customers as their top challenge in 2016, and 52 percent named enhancing their customer knowledge as one of their top three priorities. Other top challenges indicated by marketers include increasing visibility over competitors and staying ahead of new marketing trends. The integration of technology and collecting, linking and managing data also were key priorities. “The future of marketing is being driven by sophisticated, channel-agnostic consumers who expect exceptional experiences every time. This reality poses a real challenge for organizations, as consumer intolerance for mediocre brand interactions puts more pressure on brands to leverage their data and technology,” said Ashley Johnston, senior vice president of global marketing at Experian Marketing Services. “Today’s brand marketers realize the significance of knowing their customers, but it’s still problematic. Our research found that regardless of the company size or industry, marketers around the globe still find this to be a top challenge.” Findings from the study will be explored in detail during a live Webinar on April 13, 2016, which will include an insider look at how Publishers Clearing House has overcome data and technology challenges to center its marketing programs on the customer. Webinar attendees will receive an exclusive Digital Marketer cheat sheet that highlights the report’s top statistics. To reserve your spot for the Webinar, sign up at https://www.experian.com/marketing-services/digital-marketer-report.html. Experian Marketing Services surveyed more than 1,000 marketers worldwide to identify the biggest opportunities and challenges for marketers around the world. The annual report benchmarks the key issues that brands face as they try to engage audiences with relevant messages in an often complex digital environment. Additional findings of interest from the 2016 Digital Marketer Report:   Eighty-one percent of marketers report challenges in achieving a single customer view Enterprises cite making messages contextually relevant as their top challenge Seventy percent of respondents work in marketing teams that are integrated either fully or somewhat, up from 61 percent in 2015 Personalization helps achieve a 158 percent increase in click rate Sixty-six percent of marketers plan to implement predictive modeling over the next year and 68 percent plan to run mobile campaigns Eighty-six percent of marketers build segmented audiences for paid advertising “Now in its eighth year, the Digital Marketer Report contains key insights and trends that thousands of marketers have come to rely on every year,” added Johnston. “Our research and analysis focus on the areas we anticipate being the most impactful for marketers moving forward — particularly for brands that are committed to surprising and delighting their customers with every interaction.” The full 2016 Digital Marketer Report can be downloaded here: http://go.experian.com/dm16report. Past editions of the Digital Marketer Report have been recognized with awards such as the Killer Content Award (Demand Gen Report) and Stevie Award® (American Business Awards).

Apr 06,2016 by

[Infographic]: Off-lease Vehicles Surge Back into the Market

As automotive leasing trends to new heights, a rapid influx of off-lease vehicles are returning to market. Experian Automotive’s latest infographic explores the surge in off-lease vehicles, including which models and vehicle segments are most popular. Click here to download this infographic.

Apr 06,2016 by

Tru Optik and Experian Introduce OTT-TV Measurement Solution to Provide Digital TV Currency

Tru Optik, the only audience measurement and data management platform built for OTT and Connected TV, has partnered with Experian Marketing Services to offer a service providing real-time census-level viewer data for over-the-top (OTT) TV programs and ad exposure across all screens. Tru Optik clients will be able to measure and segment content and ad exposure based on lifestyle, demographic and purchase behavior powered by Experian’s ConsumerView marketing database. Tru Optik has the world’s largest database of OTT media and entertainment consumption. Experian’s ConsumerView is the world’s largest and most accurate consumer marketing database. Together this will allow for comprehensive metrics for valuing advertising on OTT networks and platforms, and close a conspicuous gap in TV audience measurement. It’s widely accepted that digital is the future of TV. One third of Millennial television viewing already occurs “over the top,” mainly via Connected TV (CTV) devices such as Roku, Apple TV, smart TVs and gaming consoles that stream OTT content to TV screens. While OTT offers the possibility of reaching TV viewers with unprecedented precision, barely one percent of TV advertising dollars flow through OTT. There are three reasons why advertising dollars are not catching up to viewership: No measurement – advertisers have no visibility to OTT ad exposure, and can’t relate it to other media;  Fuzzy targeting – the advertising industry relies on cookies or SDK’s (device-specific software development kits) to capture consumer data for ad targeting. However, CTV is a cookie-less ecosystem accessible via dozens of devices, rendering cookies useless making SDK’s impractical; No attribution – lack of measurement means there’s no way to connect OTT ad expenditures to desired outcomes like purchases. Tru Optik CEO, Andre Swanston, sums up the problem: “If you can’t fully measure it, you can’t fully monetize it. Tru Optik’s technology and first-party data combined with Experian’s data will enable media companies and advertisers to understand and value audiences for OTT content. In other words, it will provide the currency that is necessary to truly open not only the OTT ad market, but also provide better insight as to the value of product placement and licensing of content to subscription video services like Netflix and Amazon." By providing census-level audience measurement and profiling data for programming and ad exposure across OTT platforms and connected devices, Tru Optik and Experian Marketing Services have removed all three barriers to OTT advertising and monetization. Tru Optik and Experian Marketing Services use cookie-less methods that allow anonymous, aggregated behavior and profile information to be connected and protected across all digital devices belonging to the same individuals or households, including CTV. This enables “cross device” OTT and addressable campaign analysis, which is critical for accurate attribution. “Tru Optik is at the forefront of empowering media companies and brands to harness the power of CTV. By partnering with Experian they are adding a trusted and reliable source of audience and consumer data to enhance their measurement and segmentation ability,” said Kevin Dean, President and General Manager of Targeting, Experian Marketing Services. Tru Optik is careful to distinguish its offering from traditional audience measurement products. “This is not a panel based ‘ratings’ service,” said Swanston. “With respect to media companies and marketers, your data belongs to you; it is not part of a Co-op.” “Experian Marketing Services is far and away the industry leader in audience creation for addressable TV, connecting advertisers to 100 percent of the household-level addressable TV operators in the U.S. “ said David Wiesenfeld, Tru Optik’s Chief Strategist. “With Tru Optik already having the world’s largest media consumption database, the addition of purchase, preference, and profiling information from Experian will give clients unmatched insight into their audiences and marketing efficacy.”

Mar 28,2016 by

Infographic: A Rising Tide Returns Auto Leasing to Popularity

In recent years, leasing has strongly returned as an option for consumers to choose when looking to get into a new vehicle and maintain an affordable monthly payment. Experian Automotive’s latest infographic examines the lift in leasing, as well as key attributes in the auto finance market. Click here to download the PDF.

Mar 21,2016 by

Experian Sweeps 2016 Marketing&Tech Innovation Awards

Experian had the honor of celebrating innovative achievements in marketing with a few of our superstar clients at the 2016 Marketing&Tech Innovation Awards presented by Direct Marketing News and The Hub. The second annual awards program honors achievements in marketing leveraging data and technology. Three Experian Marketing Services’ client programs were recognized for their innovation in analytics, email marketing and omnichannel marketing. Hosted in New York City as part of the 2016 Marketing&Tech Innovation Summit, Delta, Golf Golfsmith International, Delta Airlines and American Eagle Outfitters were all recognized alongside Experian for innovative marketing campaigns that used the Experian Marketing Suite, a flexible cloud-based marketing platform. What’s hard to believe is how much marketing has changed due to data technology… and much of the credit for innovation within the space goes to the exceptional tech talent. Experian Marketing Services’ chief technology officer, Emad Georgy was recognized with a “2016 Star of MarTech” award for Marketing Technologist of the year. Through the development of the Experian Marketing Suite, Georgy created a marketing product that allows the interactions between a brand and its customers to be meaningful and engaging, every time. Georgy is an advocate for what he calls “a more human tech culture” because scalability is not just about technology and architecture — it also is about people and growing leaders. His team of developers, engineers, strategists, data scientists and technologists support clients across more than 30 countries. We published more information about the award-winning campaigns in a press release, here is a link: http://www.prnewswire.com/news-releases/experian-recognized-with-four-awards-at-2016-marketingtech-innovation-awards-300237326.html Emad Georgy as well as all three client campaigns are featured in articles in the April edition of Direct Marketing News which are available online here.    

Mar 16,2016 by

Top riskiest states for e-commerce fraud attacks

Does knowing where fraud takes place matter? That is the question we asked ahead of compiling data from 2015 to show where billing and shipping fraud attacks occur in the United States. The answer is Yes, it does matter. With more than 13 million fraud victims in 2015,[1] assessing where fraud occurs is an important layer of verification when performing real-time risk assessments for e-commerce. Experian analyzed millions of e-commerce transactions to identify fraud attack rates across the United States for both shipping and billing locations. You can view the map to see the attack rates for all states and download the top 100 ZIP Code rankings as well. Click here for the highlights and the findings.    

Mar 03,2016 by Editor

Experian Marketing Services Earns Top Spot for Omnichannel Marketing Capabilities and Client Satisfaction

Experian Marketing Services, a recognized leader in data-driven marketing, was awarded the top position — in a field of nine email service providers (ESPs) — by The Relevancy Group for product innovation and client satisfaction. In its recently released report, The Relevancy Ring — The ESP Buyer’s Guide 2016, The Relevancy Group evaluated ESP companies according to the satisfaction of current clients and the company’s ability to meet marketers’ challenges and goals. The report cites Experian as the largest ESP and praises the Experian Marketing Suite for its omnichannel marketing capabilities, having the most native functionality of all vendors evaluated. The report states, “Marketers that seek a strategic partner to provide a blend of services, data and technology across complex campaigns should consider Experian Marketing Services.” For the third year in a row, Experian® stood out in terms of client service. The report continues, “Clients named many aspects as the best parts of their relationship with Experian Marketing Services. One liked the responsiveness and commitment of their account management team. Another said the tool was the best, and another cited data capabilities and execution. The one thing all clients mentioned they loved about Experian Marketing Services is the partnership they shared.” Included in the report are The Relevancy Ring Client Satisfaction Awards, representing client feedback related to vendor excellence across myriad categories. Experian Marketing Services received multiple awards in the categories of Value, Usability, Campaign Execution, Account Management, Production Services, Omnichannel Marketing and Integration Capabilities. “We’re thrilled with this top ranking and believe it’s a testament to the strength of our client partnerships and the talent of our people,” said Ashley Johnston, senior vice president, global marketing, Experian Marketing Services. “This recognition also highlights the breadth and first-rate capabilities of the Experian Marketing Suite and the unique benefits we provide to leading brands around the world.” The Experian Marketing Suite is a cloud-based marketing platform that brings together Experian’s customer recognition and linkage technology, consumer database, analytics and interactions-management technology. The platform also recently received top honors in five categories for the 2015 Email Marketing Awards presented by The Marketer Quarterly, as well as recognition by a leading industry firms for Digital Marketing Hubs. For more information, download a complimentary copy of The Relevancy Ring — The ESP Buyer’s Guide 2016.

Mar 02,2016 by

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