Financial Services

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Data Driven Marketing Seeking to Find New Lending Audiences? Try Alternative Data

Lenders, how satisfied are you with your approach to prescreen targeting? Do your prescreen campaigns reach fresh audiences? Or are you [...]

Credit Risk Leveraging Consumer Data for Strategic Decisioning

During our Market Pulse webinars, our audience submit questions each month to our expert panel. For our June Market Pulse webinar our pane [...]

Credit Risk What are Multi-Bureau Attributes?

Model efficiency and performance is the key  Any company that leverages credit data from multiple credit bureaus is likely fami [...]

Credit Risk Auto Insights: How to Move Forward Given Current Trends

In the ever-evolving landscape of auto financing, a multitude of factors shape market dynamics. From shifts in lender strategies to chan [...]

Commercial Business Inflation, Consumer Spending, and Stagflation: Insights for Small Businesses

In June’s Small Business Indices, we focused on consumer spending and its implications for the overall economy. In this blog, we will shar [...]

Credit Risk Understanding Current Auto Loan Trends: A Look at the Numbers

Published in May 2024, our U.S. National Consumer Credit Trends Report on Originations¹ provides trends in auto loans, leases, and dee [...]

Commercial Business How to Elevate Your Account Management Practices

Consumers' financial stability is an always shifting landscape. This is influenced by factors like job changes, inflation, and economic [...]

Credit Risk How to Predict Bankruptcy Risk and Help Safeguard Your Lending Portfolio

The current dynamic economic landscape presents a complex challenge for lenders. They have relied on traditional credit scores to assess [...]

Credit Risk 3 Ways to Improve Operational Efficiency While Boosting Access to Credit

Unleash the power of Equifax alternative data and AI-powered risk decisioning from Provenir As a financial services provider, you [...]

Data Driven Marketing 6 Strategies to Maximize Deposits for Financial Growth

We live in a complex world of finance where every dollar counts. That is why understanding deposit dynamics is key to unlocking growth o [...]

Credit Risk Navigating Economic Crossroads: Insights from Market Pulse Webinar

Welcome to the May 2024 Market Pulse Webinar recap. Our goal is to keep you plugged in to what you need to know to navigate today's econ [...]

Commercial Business Unlock Entrepreneurship: 3 Ways Lenders Can Support Small Business

Small businesses are the backbone of the American economy. They play an important role in job creation and economic growth.¹ Over 99% of [...]

Credit Risk Economic Insights on Credit and Affordability

The March Market Pulse webinar resonated deeply with our audience. It delved into the complexities of affordability and its effects o [...]

Commercial Business Understanding the Economic Landscape for Small Businesses

In recent months, the U.S. economy has been navigating various challenges, affecting both big and small players alike. Let's take a clos [...]

Commercial Business 2024 Small Business Trends: Default & Delinquency

In honor of Small Business Month, we’re sharing tools and thought leadership to keep you in-the-know. Below, you’ll find an overview o [...]

Commercial Business Small Business Optimism in a Recovering Economy: Navigating Forward

The market is continuing to move.  Small businesses are often the first to react to economic fluctuations. Although, even with careful m [...]

Recession Readiness Insights Unraveling the Impact of Interest Rates on the Economy

  The economy has made progress, but inflation is still too high. Federal Reserve Chairman Jerome Powell said on April [...]

Commercial Business Small Businesses: The Lifeblood of the American Economy

The 2024 financial market leaves many in a state of uncertainty except for a certain bright spot: small businesses. This Small Bus [...]

Commercial Business From Strain to Resilience: Small Business Strategies for 2024

In 2023, the landscape was tumultuous. American small businesses, lenders, and service providers faced many challenges. These included s [...]

Commercial Business Regional Trends to Watch: Small Business Credit Quality by U.S. Population

In recognition of Small Business Week, we’d like to introduce the new 2024 Market Trends and Predictions Report focusing on the curr [...]

Commercial Business Small Business Focus: Commercial Hurdles in Today’s Economic Environment

We are excited to be celebrating small business week (April 28 - May 4)! In the April 2024 Market Pulse webinar, we discussed d [...]

Commercial Business Answering Your Questions on Current Commercial Challenges

On our April 18 Market Pulse webinar, our experts talked about the roadblocks that business [...]

Commercial Business Exploring Economic Trends: A Deep Dive into Recent Small Business Lending Data

The small business landscape continues to shift, and due to a few recent trends we identified the need to take a step back to get a bett [...]

Commercial Business Small Business Resurgence: Insights and Trends for the Year Ahead

We are in unparalleled territory when it comes to the small business landscape. In this blog, we'll cover the recent boom in small busines [...]

Commercial Business Regional Trends: Small Business Delinquency Index Predictions for 2024

33.3 million businesses in the United States qualify as small businesses. 1 In recognition of Small Business Month, we produced [...]

Data Driven Marketing Auto Loans at Credit Unions: 3 Surprises, 3 Risks, 3 Opportunities

When asked where to get an auto loan, a credit union might not be the first answer. But, credit unions are in fact a quite popular choice [...]

Commercial Business Navigating the Ever-Changing Small Business Landscape

When it comes to the small business landscape the one thing we generally all agree on is this is a time [...]

Recession Readiness Insights Inflation, Delinquencies and Economic Polarization

  Inflation is having a broad impact on U.S. households. In the latest Market Pulse podcast, Jeff Richardson, SVP of Mar [...]

Credit Risk A Day in the Life of a Risk Professional

  Risk management is a multifaceted field that remains an enigma to many. In the latest episode of the Market Pulse podc [...]

Recession Readiness Insights Q1 Check-In: Align Goals in a K-Shaped Economy

As we are solidly into 2024 Q1, it is the perfect time to reevaluate our financial resolutions. We are living through a K-shaped economy. [...]

Credit Risk Revving Up: Essential Strategies for Succeeding in the Evolving Auto Market of 2024

Shift into high gear In our energetic February 2024 Market Pulse webinar, our experts presented a roadmap for driving success [...]

Recession Readiness Insights FAQ: What is a K-Shaped Economy?

Many hope for a post-pandemic fresh start. The reality is that the financial landscape is a K-shaped economy, where the impact of econom [...]

Credit Union 4 Ways Credit Unions Can Use Technology to Boost Members’ Credit Health

When credit unions talk to their members, they likely hear that financial anxiety is a common theme. After all, members are faced with a [...]

Credit Risk Understanding Affordability in Terms of 2024 Market Trends

Our January Market Pulse webinar discussed all aspects of affordability in our current financial market. Our experts shared their deep k [...]

Recession Readiness Insights Navigating the Affordability Landscape in 2024

  Affordability is a buzzword that echoes through the economic landscape. In episode 37 of the Market Pulse podcast, Equifax [...]

Recession Readiness Insights Unlocking Opportunities: Smart Lending in the K-shaped Economy of 2024

2024 opens in a K-shaped economy. In this environment, consumer budgetary pressures look different for each population segment. Lenders [...]

Recession Readiness Insights How Lenders Can Harness Alternative Data to Help Overcome Today’s Economic Challenges

Increasing inflation, rising interest rates and stagnant incomes have made borrowing more expensive and meeting financial commitments more [...]

Credit Risk Consumer Credit Trends: Your Questions Answered

During our December 7 Market Pulse webinar, experts shared insights, empowering you to look back at the economic and consumer landscap [...]

Recession Readiness Insights Unraveling 2023: A Year of Unpredicted Economic Trends

Did the economic predictions for this year come true? And what economic themes will shape 2024? In episode 36 of the Market Pulse podc [...]

Credit Union 6 Strategies for Credit Unions to Better Meet Member Needs

Credit unions are known to provide personalized service and focus on the unique needs of their members. For many members, this dedicated [...]

Credit Risk Impact of Global Economic Headwinds on Consumers: Your Questions Answered

During our November 16 Market Pulse webinar, experts shared insights and actionable advice, empowering you to navigate the intricate t [...]

Data and Analytics Navigating Global Economic Headwinds: Insights from Market Pulse Webinar

In the dynamic realm of global markets, staying abreast of the latest trends is imperative for individuals and businesses alike. As we v [...]

Recession Readiness Insights Looking Ahead at 2024 U.S. Economy with Moody's Analytics

As we approach the close of 2023, the U.S. economy faces a mix of challenges and positive indicators. In episode 34 of t [...]

Credit Risk Federal Student Loan Debt – What’s the Impact on Your Portfolio?

Take the full capacity of the largest college football stadium (“The Big House” at the University of Michigan at 107,6001) and multiply [...]

Data Driven Marketing Strategies for Credit Unions to Advance Digital Transformation

As member-first institutions, credit unions need to provide seamless, personalized services. To meet these expectations, credit unions are [...]

Data Driven Marketing 3 Unexpected Ways Equifax Can Help Grow Your Payments Business

You know that familiar chime on your phone when a payment is made? That, paired with the steady (metaphorical) hum of billions of dynamic [...]

Credit Risk What Does Consumer Financial Stress Mean for Lenders? We Offer 4 Tips.

The warning signs are all around us: many consumers are financially stressed. Already, consumers are getting squeezed by high inflation [...]

Data Driven Marketing 4 Tips for Credit Unions to Market High Interest Deposit Products

As consumer savings declines and high interest investment options are more accessible, keeping and capturing new deposits continues to be [...]

Recession Readiness Insights How Lenders Can Use Data to Reveal Credit and Financial Stresses

Macroeconomic indicators like increasing delinquency rates and ballooning debt point to a nation of prospective borrowers [...]

Credit Risk Why Student Loan Debt is a Real Risk for Credit Unions

When we speak with our credit union clients, we often bring up the potential impact of student loan debt. After all, student loans are h [...]

Recession Readiness Insights Experts Answer Questions On Inflation, Housing Affordability, and Consumer Credit

During our recent Market Pulse webinar, we discussed how staying ahead of the curve is essential for success. The September 2023 Market [...]

Recession Readiness Insights Understanding Factors Contributing to Consumer Stress

  An increasing number of consumers are facing credit and financial stressors. What economic factors are causing this? [...]

Credit Risk Market Pulse Webinar: How to Strengthen Origination Resilience

In the fast-paced world of finance and economic policy, staying ahead of the curve is essential for success. The September 2023 Market Pul [...]

Data and Analytics Small Business Indices: Show the Effects of Tighter Credit Conditions test2

In July 2023, small business lending and financial stress exhibited distinct regional and industry-based trends. As we look at the Equifax [...]

Recession Readiness Insights Risk Advisors Answer Questions on Student Loan Repayments and the Current Economy

In our August 2023 Market Pulse webinar, our risk advisors hosted a panel discussing the recent student loan repayments, financial durab [...]

Credit Risk The Roadmap to Navigate Student Loans and Mitigate Risk

We are in uncharted economic territory. This month’s Market Pulse webinar is a must-listen to get ahead of the economic fluctuations we [...]

Credit Risk How Lenders Can Find the Hidden Risk in their Portfolio

The last three years has brought a range of micro and macroeconomic storms. Shifts in spending behavior and the influx of [...]

Credit Risk Student Loan Repayment Could Spell Risk for Your Portfolio. Are You Ready?

This is the first of a two-part blog series. Look out for the second article to learn how lenders can prepare to address student loan risk [...]

Data and Analytics Tips for Lenders to Tackle Tight Resources

In today’s world of lean teams and tight budgets, lenders need to make smart choices about how they divide resources, prioritize efforts [...]

Recession Readiness Insights How Fintechs Tackle Economic Headwinds

June 2023’s Market Pulse Webinar explored how fintechs are tackling not only economic headwinds, but tightening credit. We learned how [...]

Data Driven Marketing Marketing Spend - “Efficiency” is the Word of the Year

Making Sense of Marketing Trends Every business wants to increase revenue. But, to do that it’s important to find the hidden op [...]

Data and Analytics From “Pain to Gain” – Transforming Disparate Data into a Revenue-Generating Resource

Here’s a thorny question…and your response may impact the future of your business in today’s uncertain economy. Is your customer data he [...]

Recession Readiness Insights Moody’s Economic Update: Possible Challenges Ahead, Reasons for Hope

As we approach the halfway point of 2023, the economy faces multiple headwinds. From debt ceiling negotiations and the bankin [...]

Credit Risk How Lenders Can Score and Approve More Applicants While Managing Risk

The nation’s consumers are becoming even more financially diverse. Think about young consumers and the growing number of immigrants who [...]

Recession Readiness Insights How Lenders Can Navigate This Credit Tightening Environment

  As economists warn of a possible impending recession, banks are raising their rates and tightening their lending standards. H [...]

Credit Risk Score 21% More Consumers and Approve 15.5% More Applicants with a Single Risk Score

During these challenging economic times, lenders need to strike a balance between growing their lending portfolios and managing risk. In [...]

Credit Risk Spot Default Risk Early – Before it Impacts Your Portfolio

Even with rising interest rates and economic uncertainty, consumers are still expected to seek out new unsecured loans and lines of credit [...]

Recession Readiness Insights How Fintechs Can Optimize Data Spend

Fintech companies are disrupting the financial industry. In times of economic uncertainty, the reality of implementing disruptive solution [...]

Credit Risk It’s Here - A Single Risk Score to Expand Your Lending Pool

For lenders, today’s economy is causing some angst. While lending remains strong, many lenders are concerned about growth. How can they [...]

Recession Readiness Insights March Market Pulse: Your Questions Answered

During the March 2023 Market Pulse webinar, “How Credit Unions Are Adapting to Economic Uncertainty,” panelists Rob Wescott, former Sp [...]

Data and Analytics How a Deposit Growth Strategy Can Help Financial Institutions Reduce Risk

Financial institutions have become more risk-aware following the Fed’s interest rate hikes, an uncertain economy and recent challenges f [...]

Credit Risk 3 Ways to Delight Credit Union Members and Skyrocket Account Growth

Spoiler alert: it’s NOT what you think of when you think “Equifax” Everything you do as a credit union centers around your member [...]

Data and Analytics How Credit Unions Can Meet the Needs of Gen Z

Generation Z is the tech-savvy and socially conscious cohort born between 1997 and 2012. Gen-Z is beginning to establish its own financi [...]

Credit Risk Major Benefits of Credit Reporting for Both Consumers and Lenders

Reporting can be a pain point for many lenders. Yet, it’s an important part of ensuring lenders get an accurate picture of a consumer’s [...]

Credit Risk Use Analytics to Find Fast, Direct Paths to Profitability

We’re talking weeks, not months, or years A lot of businesses feel “stuck” in today’s uncertain market, unsure about how to get [...]

Recession Readiness Insights How the Rising Cost of Living Will Impact Lenders

In the U.S. and abroad, the cost of living is rising and consumers and businesses are feeling the squeeze. How will this impact the lend [...]

Credit Risk Strategies for Credit Unions to Grow Deposits in Any Economy

In today’s shifting economy, many credit unions continue to focus on maintaining adequate liquidity. Lower interest rates over the past [...]

Credit Risk The Simple Ways Lenders Can Find Hidden Opportunities

From record inflation and rising interest rates, to wavering consumer spending power and a potential hiring slowdown, the ever-changing [...]

Recession Readiness Insights Turn 2023 Hidden Risks into Hidden Opportunities

Starting ahead is critical in today's economy. As we discussed in last month's Market Pulse webinar, 2022 was full of challenges, but kn [...]

Recession Readiness Insights Economic Outlook 2023: Consumer and Commercial Lending

Where should consumer and commercial lenders look for responsible growth in 2023? While lenders should be judicious in challenging econo [...]

Credit Risk High-Performing Credit Risk Models for Financial Firms of All Sizes? Yes Please.

Big banks are flush with data and analytic resources. Optimizing their credit risk models is a seamless, efficient process. It’s [...]

Recession Readiness Insights Economic Outlook Pt. 2: Will Labor Market Resiliency Last?

Despite high-profile layoffs in the technology and media industries, the 2022 labor market has been a bright spot in the economy. How sh [...]

Data Driven Marketing Lenders: Assess Your Firm’s Customer Diversity Goals

The demographic composition of current and prospective customer bases is changing. And, most financial providers recognize that. Consumers [...]

Recession Readiness Insights Look Back at 2022 and Focus on Forward in 2023

With 2022 almost in the books, the US economy is still experiencing pandemic whiplash and general economic uncertainty. We’ve been chall [...]

Credit Risk Mitigate Risk in Your Portfolio with These Review Tips

You might be asking yourself the $20 trillion-dollar question: are we in a recession? And, what does that mean for risk in my portfolio? [...]

Recession Readiness Insights Impact of Global Economic Headwinds on the US Economy

The IMF is predicting global growth may slow to 3.2% in 2022 and 2.7% in 2023, down from 6% in 2021. How will the domestic economy fare [...]

Recession Readiness Insights Customer Growth: 4 more ways for financial services firms to drive growth

(This blog is the second in a two part series.) The economy is continuing to fluctuate. Financial marketers are starting to shift priorities [...]

Data Driven Marketing How to Boost Credit Union Performance

Today’s credit unions want more account growth, more operational efficiency, and more digital services.¹ Yet, they also want something else. [...]

Credit Risk Personalize Digital Interactions to Enhance the Credit Union Member Experience

Credit union marketers have a full plate. They need to attract new members, deepen relationships with existing members, and provide a positi [...]

Data Driven Marketing Customer Growth: 3 Ways for Financial Service Firms to Drive Growth

(This blog is the first in a two part series.) Your financial services firm likely serves a wide range of consumers – each with varying fina [...]

Credit Risk Credit Unions: Say “approved” more by looking past traditional credit

Confidently serve below-prime members by seeing the bigger picture Approved. It’s a magic word. Especially for the estimated 77 million Ame [...]

Recession Readiness Insights Student Loan Debt Crisis: Experts Weigh In

During our July 28 Market Pulse webinar, our panel of experts discussed what lenders and Gen-Z should be doing during the current student lo [...]

Research Market Pulse: Consumer-Permissioned Data

Consumers are eager to make up for lost time as they depart for their summer vacations and settle back into their traditions. But with i [...]

Data and Analytics What's Going on with the U.S. Economy?

For our May 19 Market Pulse webinar our presenters discussed the recent economic update, consumer credit trends, and small business trends, [...]

Identity & Fraud Manage Digital Fraud Across the Customer Journey

The more digital the world becomes, the more opportunities there are for fraud to sneak in. This can lead to many unanswered questions for c [...]

Data Driven Marketing 3 Ways to Incorporate Digital into Your Acquisition Campaigns

As a marketer and consumer, you know how much time people spend on their devices and looking at screens. But, reaching the right online audi [...]

Data and Analytics April Market Pulse: Supply Chains’ Impact on the Economy

This is a recap of our April 14 Market Pulse webinar, where our panel of experts discussed the recent supply chain crisis, as well as the la [...]

Data Driven Marketing 6 Tips to Revitalize Your Lending Acquisition Campaigns

Turbulence in the economy continues to create challenges for consumers and lenders alike. The wide range in how consumers are being impa [...]

Data and Analytics The U.S. Economy and Consumer Wealth in 2022

This month’s Market Pulse webinar presenters included Dylan Hall, Co-Founder and CEO at Safe Rate; Peter Hellwig, Co-Founder at Atmos Financ [...]

Data and Analytics You Asked, Entrepreneurs Answered: Using Data for Smarter Actions

During our March 10 Market Pulse webinar, our panel of experts discussed details pertaining to entrepreneurs and how they can participate in [...]

Data and Analytics Podcast: Prepare Your Business for Demographic Shifts

For much of the last century, population growth in the U.S. has remained relatively stable. But that is changing, and your business should p [...]

Data and Analytics Visa and Equifax Answer Your Consumer Spending Questions

As you think about your business plans in 2022, having access to key data to make informed business decisions will be important. For our Jan [...]

Commercial Business Outpace Your Competition: Know Your Revenue IQ

Conventional wisdom tells us there are two main ways to achieve your revenue targets in 2022. For most companies, it boils down to either gr [...]

Credit Risk Powering the Energy Market: Your Questions Answered

For our December 2 Market Pulse webinar, our panel of experts discussed the current and future state of the energy industry. This month’s pr [...]

Credit Risk What to know about Buy Now, Pay Later

Buy Now, Pay Later has continued global growth, with U.S. adoption up sharply over the last two years. The service, which originated from Au [...]

Credit Risk Outlook on 2022

For our December 2 Market Pulse webinar, our panel of experts discussed the current and future state of the energy market. This month’s pres [...]

Credit Risk Podcast: ‘Tis the Season for Buy Now, Pay Later

Buy Now, Pay Later (BNPL) financing is soaring in popularity this holiday season. Consumers are using these loans to purchase everything fro [...]

Credit Risk A Centralized Decision Management Platform for Financial Institutions

Today, financial institutions need to be agile, fast, and flexible to keep pace with the changing market and customer dynamics. Digitizati [...]

Identity & Fraud Optimizing Trust in a Digital World

Optimized trust enables organizations to find, reach, and approve ideal customers in familiar and unexpected places. In this recap of our No [...]

Credit Risk Lending FAQS: Keep Pace with the Mortgage Market

The mortgage industry is constantly changing. But these lending FAQs can help you keep up with the latest trends and gain a competitive edge [...]

Credit Risk Help Borrowers Move Through the Mortgage Process

Buying a home can be stressful and confusing — especially if a consumer is trying to learn about credit and how their credit score can impac [...]

Identity & Fraud Fight Fraud in Digital Transactions

Necessity is the mother of invention. Just ask banking, fintech, and retail businesses, many of which compressed a decade of e-commerce inn [...]

Identity & Fraud Q&A: Optimizing Trust in a Digital World

We are living in a digital-first world and trust is more than secure transactions. During our November 11 Market Pulse: Optimizing Trust in [...]

Credit Risk How Credit Unions are Helping Foster Credit Access

This is a recap of our October 7 Market Pulse webinar, where we discussed the importance of credit unions in gaining access to credit. This [...]

Credit Risk Credit Unions’ Role in Credit Access: Your Questions Answered

Successful credit unions work hard to attract new members, strengthen existing member relationships, and give the community direct access to [...]

Credit Risk The Shifting Fintech Landscape

The economy is recovering and the outlook for small businesses is continuing to remain strong. Fintechs have started to step away from tradi [...]

Credit Risk Saying "Yes" More Benefits Everyone

Consumers and businesses need access to credit and lending to live and perform. Yet, 91.5 million consumers struggle to gain access to mains [...]

Data Driven Marketing Optimize Your Acquisition Investment and Improve Experiences

It’s no big news that today’s consumers are savvier than ever. They expect online interactions — and they better be seamless, or you risk lo [...]

Credit Risk The Shifting Fintech Landscape: Your Questions Answered

As the economy recovers the outlook for small businesses remains strong. Fintechs have started to step away from traditional credit data and [...]

Credit Risk Comperemedia: The Lure of Challenger Banks

The banking landscape is changing. Challenger banks, also known as neobanks, have taken off in popularity, especially since more people [...]

Credit Risk Industry Point of View: Buy Now Pay Later

Updated 5/11/2023: The White House declared the end of the Covid-19 Health Emergency May 11, 2023 so some of the details mentioned in th [...]

Credit Risk Equifax to Present 14 Papers at Global Credit Conference

Post 2020, financial inclusion is the common theme This week, top data and analytics experts from Equifax and around the world will discuss [...]

Data and Analytics Data Lights the Way for Meaningful Insights

Markets are continuously changing, whether it’s based on new customer behaviors, unforeseen economic forces or new competitors looking to di [...]

Credit Risk How Equifax is Helping Expand Access to Credit

At the Virtual Consumer Data Industry Association (CDIA) Law & Industry Conference on July 12-14 2021, Peter Maynard, Senior Vice Pr [...]

Credit Risk Podcast: Financial Inclusion’s Role in the Economic Recovery

A More Inclusive Credit Scoring Model Economists refer to the U.S. recovery as ‘K-shaped’, meaning that one segment of the population is pr [...]

Credit Risk Accelerating Access to Credit: A Critical Discussion

In this recap of our June 24 webinar, “Market Pulse: Accelerating Access to Credit,” Chris Wheat, Co-President at JPMorgan Chase Institute; [...]

Credit Risk Podcast: Entrepreneurship & Credit in the Post-COVID Era

Demand Growing for Small Business Credit With economists predicting a GDP growth rate of 6.5% in the fourth quarter and consumer spending b [...]

Credit Risk What’s Next for the Post-Pandemic Small Business Economy?

In this recap of our June 3 webinar, “Market Pulse: The Post-Pandemic Small Business Economy,” Evan Leaphart, Founder and CEO of Kiddie Kred [...]

Credit Risk 6/3 Market Pulse, Your Questions Answered

As we emerge from the pandemic, small businesses are integral to the health of the post-COVID economy. For our June 3 Market Pulse webinar, [...]

Data Driven Marketing Separate Fact from Fiction: The Pandemic’s Effects on Consumer Finances

Businesses and consumers alike are experiencing information overload as they try to understand how the world is evolving in light of the COV [...]

Data and Analytics Data Privacy: Doing the Right Thing

The Responsible Use of Data The concept of privacy has changed dramatically since the pre-internet days -- and even since the 201 [...]

Credit Risk 5 Ways to Improve Credit Decisioning

Many businesses operate in a transactional environment that requires fast credit decisioning. However, a variety of obstacles prevent them [...]

Identity & Fraud How will Recent Ecommerce Growth Impact Fraud Levels?

In this recap of our May 6 webinar, “Market Pulse: Growth Amid Rising Fraud,” Amy Crews Cutts, President and Chief Economist at AC Cutts &am [...]

Identity & Fraud A Layered Approach to Fraud

“Losses due to identity theft increased by 42% from 2019 to 2020 primarily due to the COVID-19 pandemic. Aite Group estimates that losse [...]

Credit Risk 5/6 Market Pulse, Your Questions Answered

Updated 5/11/2023: The White House declared the end of the Covid-19 Health Emergency May 11, 2023 so some of the details mentioned in th [...]

Credit Risk Podcast: Growing Optimism and a Rising GDP

Light at the End of the Tunnel The U.S. economic forecast is strong. In fact, Moody’s Analytics’ outlook for 2021 calls for 6.4% growth in [...]

Data Driven Marketing Pandemic Effects on U.S. Consumer Finances and Attitudes

Updated 5/11/2023: The White House declared the end of the Covid-19 Health Emergency May 11, 2023 so some of the details mentioned [...]

Identity & Fraud Podcast: Using Smart Data to Combat Identity Fraud

Identity Fraud Accelerates in 2020 The year 2020 was a heyday for online fraudsters. There are a couple of reasons why. First, [...]

Credit Risk April Market Pulse - Your Questions Answered

With an increase in vaccinations, a second stimulus check and a wealth of pent-up demand, consumers are ready and willing to spend. For the [...]

Credit Risk 2021 Insights for Small Business and Commercial Real Estate

In this recap of our March 4 webinar, "Market Pulse: Return to Opportunity for Commercial Real Estate," Sarah Briscoe, senior statistical an [...]

Credit Risk How COVID-19 Lockdowns Have Impacted Credit Card Debt

Consumers maintain a tight grip on credit card spending in Q1 2021 NOTE: This is a March 2021 update to the original article published Dec. [...]

Credit Risk How will Vaccines Impact the 2021 U.S. Economy?

This is a recap of the March 4 webinar, Market Pulse: Return to Opportunity for Commercial Real Estate. We’re sharing key insights on the fu [...]

Credit Risk Q&A: Return to Opportunity for Commercial Real Estate

Updated 5/11/2023: The White House declared the end of the Covid-19 Health Emergency May 11, 2023 so some of the details mentioned in th [...]

Credit Risk Podcast: Pent-Up Demand & Consumer Credit Expectations

After a year of credit tightening in 2020, consumer credit remains down across the board. That includes balances, utilization and delinq [...]

Identity & Fraud 6 Ways to Combat Online Fraudsters

"The truth is, your identity has already been stolen. More than 800 million security breaches have occurred, and we have only about 320 mill [...]

Credit Risk Q&A: D.C. Power Shift, What’s Next?

A new administration in 2021 brings many changes. For our February 4 Market Pulse webinar, our panel of experts discussed the potential [...]

Credit Risk How will D.C. Power Shift Impact Economic and Regulatory Change?

In this recap of the January 14 webinar, Market Pulse: DC Power Shift, What's Next?, we share key insights from Amy Crews Cutts, Presid [...]

Data Driven Marketing Podcast: American Express' Personalization Journey

How American Express Achieves World-Class Customer Service What does personalization really mean in marketing today? According [...]

Credit Risk What Does a K-Shaped Recovery Mean for the Economy?

We captured key insights from the January 14 webinar, Market Pulse: Planning in a K-Shaped Recovery, featuring Cris deRitis, Deputy Chie [...]

Credit Risk Podcast: Unpacking the Fiscal Stimulus

Updated 5/11/2023: The White House declared the end of the Covid-19 Health Emergency May 11, 2023 so some of the details mentioned in th [...]

Credit Risk 2021 Planning in a K-Shaped Recovery: Your Questions Answered

The start of a new year holds both uncertainty and hope for an economic recovery. For our January 14 Market Pulse webinar, our panel of expe [...]

Credit Risk Market Pulse: Year-End Holiday Spending Trends, Economic Insights

This is a recap of the December 10 webinar, Market Pulse: Consumer Spending Trends and Expectations. We’re sharing key insights offere [...]

Credit Risk Podcast: Holiday Gift or Kick the Can?

How will the latest political news and vaccine rollout impact holiday spending? It was a busy news week with talk of a stimulus deal and th [...]

Data and Analytics How Neural Network Models Put Financial Services Within Reach

Why Constrained Models are Optimized for Credit Risk Credit scores are used as a big part of a lender’s credit criteria - higher scores mor [...]

Credit Risk Holiday 2020 Consumer Spending: Your Questions Answered

Businesses must learn how to take advantage of seasonal spending, while protecting their portfolios and mitigating risk. For the December 10 [...]

Identity & Fraud What Types of Analytics Intelligence Can Power Identity Trust?

Consider Performance Criteria, Algorithms and Labeled Data Fraud prevention is a challenging task, given the mercurial nature o [...]

Credit Risk Economists Answer Your Questions About 2021

With a new president-elect and COVID-19 cases on the rise, businesses face some uncertainty as they plan ahead. The November 5 Market Pulse [...]

Credit Risk Podcast: Outlook for 2021 Economic Recovery

A Surge in COVID-19, Vaccine Expectations and Economic Stimulus The announcement of a vaccine is certainly cause for an upgrade in the traj [...]

2021 Outlook: What are Economists Predicting?

Updated 5/11/2023: The White House declared the end of the Covid-19 Health Emergency May 11, 2023 so some of the details mentioned in th [...]

Credit Risk Buy Now, Pay Later FinTechs: Gifting Greater Financial Health

Buy Now, Pay Later FinTechs are Well-Positioned to Drive Holiday Sales in 2020 Buy now, pay later FinTechs are well-positioned to enable a [...]

Identity & Fraud Digital Trust: It Takes More Than a Score

Assessing a Consumer’s Identity is Not as Simple as Reviewing a Document and Putting a Score on it. The concepts of credit and fr [...]

Ignite Live 2020: Leading with Confidence During Uncertain Times

  Sharing Ideas and Best Practices for a Challenging Time This year’s Ignite Live 2020 was buzz [...]

Identity & Fraud The Intersection of Identity Trust and Decisioning

Welcome to our blog series on leveraging the power of data and analytics to maximize identity results. In my previous article, I shared [...]

Credit Risk Podcast: Fiscal Stimulus and the K-Shaped Economy

The Real Question is “When” - not “If” - we will get Economic Stimulus As we count down to the U.S. election, the question of economic stim [...]

Data Driven Marketing Enhance Prescreen and Keep Lending

This year has forced financial firms to reevaluate and alter their lending programs. Many lenders have had to work quickly to adapt in o [...]

Data Driven Marketing Digital Credit Marketing: 97% Email Deliverability… Really

Why Digital Credit Marketers Should Embrace Email Consumers are relying more on digital channels during the pandemic, whether it's work, sh [...]

Identity & Fraud Building Digital Trust: The New Normal

It has never been more important for businesses and consumers to trust who they're doing business with. Everyone knows the adage, [...]

Credit Risk Podcast: What Direction will the Economy Take?

New Podcast Examines Latest Economic Trends for Consumer Credit and Small Business The Market Pulse podcast is a new production from E [...]

Credit Risk What is Alternative Data?

Updated 5/11/2023: The White House declared the end of the Covid-19 Health Emergency May 11, 2023 so some of the details mentioned in th [...]

Credit Risk Buy Now, Pay Later FinTechs Face Increasing Consumer Risks

Buy now, pay later FinTechs face merchant risks and consumer risks simultaneously Thank you for joining me for the second article in a thre [...]

Credit Risk September Update: How to Navigate the 2020 Economy

Updated 5/11/2023: The White House declared the end of the Covid-19 Health Emergency May 11, 2023 so some of the details mentioned in th [...]

Credit Risk Top Risks Facing Buy Now, Pay Later FinTechs

This is part 1 of a 3-part series Accelerating Growth in the FinTech Space While the COVID-19 pandemic is upending the status quo for man [...]

Data Driven Marketing Checklist: Marketing Strategies for this Recession

Advance your business with data-driven recession marketing strategies In early June, The National Bureau of Economic Research ann [...]

Identity & Fraud Build Identity Trust with the Right Data

  More data sources is only part of the equation In the era of big data, it is often thought that more data is better, but that's not [...]

Credit Risk 3 Ways Neural Networks Benefit Consumers

Why Proxy Model Explanations of Neural Networks Inevitably Fail  For financial service providers, credit risk modeling is all about id [...]

Data Driven Marketing 4 New Marketing Trends in Financial Services

The coronavirus pandemic has altered the U.S. economic landscape triggering a significant slowdown in marketing activity across industries. [...]

Identity & Fraud Multisource Data Helps Reduce Uncertainty in Identity Trust

  Data is the New Soil Someone once said: “Data is the new oil.” Then someone else said: “No, data is the new soil.” Any way you look [...]

Credit Risk What Can Natural Disasters Tell Us About a COVID-19 Economic Recovery?

The Past as a Window to the Future In my last post, we spent time exploring methods to mitigate the loss of predictive power for risk sco [...]

Credit Risk May Market Pulse: You Ask, We Answer

May 2020 Market Pulse Series - FAQs Equifax and our expert guest speakers answered dozens of questions from attendees follow [...]

Identity & Fraud How Effective is Your Approach to Assessing Identity Trust?

Businesses and Fraudsters Are Adapting The global pandemic of COVID-19 is pushing both businesses and fraudsters to adapt. While the d [...]

Credit Risk 3 Actions to Take Now to Improve Your Account Management

Updated 5/11/2023: The White House declared the end of the Covid-19 Health Emergency May 11, 2023 so some of the details mentioned in th [...]

Data Driven Marketing 6 Ways Financial Insights Fuel Marketing

Financial firms are focusing on risk mitigation during the pandemic, but that doesn't mean financial marketers should simply wait it out. Wh [...]

Credit Risk Preserving Predictive Power

How to Mitigate Decline in Predictive Power As you may recall from my last post, we examined the impact accommodation could have on credit [...]

Credit Risk Let the Data Tell the Story

Updated 5/11/2023: The White House declared the end of the Covid-19 Health Emergency May 11, 2023 so some of the details mentioned in th [...]

Credit Risk Q&A: Machine Learning and Explainable AI in Credit Risk

Ground-breaking modeling techniques fueled by machine learning and explainable artificial intelligence (xAI) are transforming the credit dec [...]

Credit Risk April Market Pulse: You Ask, We Answer

In this blog series, Equifax and expert guest speakers answer top of mind questions from attendees on the weekly Market Pulse Webinar Series [...]

Credit Risk Examining the Past to Understand the Future

Updated 5/11/2023: The White House declared the end of the Covid-19 Health Emergency May 11, 2023 so some of the details mentioned in th [...]

Identity & Fraud Authenticate Right the First Time

Authentication Strategies for Today’s Digital Age Carefully orchestrated authentication and identification strategies are critical in today [...]

Credit Risk How to Manage Anti-Money Laundering (AML) Compliance During Uncertainty

It's a Priority to Stay Vigilant Many of you are protecting workers by encouraging social distancing and providing work-from-home opti [...]

Credit Risk How Equifax is Helping Consumers Maintain Credit Standing During COVID-19

COVID-19 Has Made Phone, Pay TV and Internet Service Important to Our Quality of Life In the past, expenses such as wireless phones, landli [...]

Credit Risk How Rental Data Can Transform Consumer Credit

Did you know that 35% of U.S. households live in rental housing? It's true. [1] But most renters’ on-time housing payments are not reflecte [...]

Credit Risk 3 Things to Know About Trended Data

FICO recently announced that its new FICO®  Score 10 T, set to be released this summer, will include trended data. With this new opti [...]

Identity & Fraud 5 Ways to Thwart Fraud

Financial institutions are struggling to keep up with evolving fraud tactics. They tell us their top areas of concern are new account fraud, [...]

Credit Risk 2020 Outlook: Plan for the Best. Prepare for the Worst.

Since the last U.S. recession in 2008, financial risk management has seen significant changes. Lending requirements are tighter, verific [...]

Credit Risk Predicting Bankruptcies: Do You Know What You Don't Know?

This question sounds absurd. But this is one of the most important questions lenders must ask themselves when making consumer credit de [...]

Credit Risk Make Your Credit Union the Consumer Favorite

Digital Disruption Shifts Expectations Credit unions are having to change how they interact with their members. Due to rapidly evolving t [...]

Credit Risk 3 Steps to Capitalize on the CECL Delay

In recent weeks, you may have heard that the Current Expected Credit Loss accounting standard - the regulation known as CECL - has been [...]

Identity & Fraud 3 Key Statistics FI's Should Know About Fraud

I grew up watching various science fiction drama TV shows and recall one particular character that could shape-shift. He would shape-shift [...]

Credit Risk FICO World 2019: A Recap from NYC

The autumn air is crisp, and the delicious smells from the nearby Halal Guys cart are tempting my senses. It’s a perfect Monday morning in N [...]

Identity & Fraud Are Your Customers Really Carbon-Based?

The financial sector might see the worst of it, but no business with an online presence is immune to the threat of malicious bots. In fact [...]

Credit Risk Use Case: How One Subprime Lender Used AI to Reduce Losses

Risk models eventually become less predictive or relevant due to evolving market conditions. New and improved versions routinely replace the [...]

Credit Risk 3 Innovative Ways to Expand Credit Access

Customer experience and customer growth go hand-in-hand. One way to improve your customer experience is to make better credit offers to more [...]

Credit Risk Getting Back to the Future of Credit

Did you know that the concept of credit has been around for over 5,000 years? While the methods for evaluating credit have evolved over [...]

Credit Risk 3 Ways Credit Unions Can Meet Member Expectations

Mobile Usage is Changing Member Experience   Did you know 88% of U.S. online adults now use a smartphone?[i] Living in an era of [...]

Data and Analytics How Consumer-Permissioned Data Empowers Lenders, Consumers

Approximately 91.5 million consumers in the U.S. either have no credit file, or have insufficient information in the file to generate a trad [...]

Credit Risk The Value of Alternative Data in a Downturn

Aite Group Report: Consumer Lenders Anticipate Slowdown If headlines have you wondering when a change in the credit cycle might occur - or [...]

Credit Risk Credit Scoring Leaders Reveal Innovations in Data and Analytics

Last week, top data and analytics experts from Equifax and around the world convened in Edinburgh, Scotland for Credit Scoring and Cr [...]

Data and Analytics Q&A: What is Adaptive AI?

Adaptive AI is the next great advancement in leveraging AI for credit risk. Equifax's Chief Innovation Architect, John Fenstermake [...]

Credit Risk How a Maximum Viable Person Reduces Risk

Discover Your Diamond Customers Among the Rough Fraudsters. There is no doubt that today’s cybercriminals are dedicated to thei [...]

Identity & Fraud Synthetic Identity Fraud: Not Just for Credit Cards

Synthetic Identity Fraud is a Growing Threat We've said it before, and we'll say it again: Synthetic identity fraud is one of the most cunn [...]

Data and Analytics Trended Data – Minimize Risk and Head Off Default

This is the final article in a 5-part series. We originally published this post on December 20, 2016 and updated it on July 17, 2019. Today [...]

Data and Analytics Trended Data – Drive Profitable Growth While Minimizing Risk

This blog if the fourth article in a 5-part series. It originally published on January 26, 2017 and was updated on July 17, 2 [...]

Data and Analytics Trended Data - Impact on Credit Decisions

This is the third article in a 5-part series. We originally published this post on December 20, 2016, and updated it on July 17, 2019. [...]

Data and Analytics Trended Data - Benefits to Lenders

This is the second article in a 5-part series. We originally published this post on December 20, 2016 and updated it on July 17, 2019. Many [...]

Identity & Fraud The Achilles' Heel of Synthetic Identity Fraud

Losses from Synthetic Identity Fraud are Increasing Most of us are familiar with the fable from Greek storyteller, Aesop, about [...]

Data and Analytics Trended Data - Becoming Mainstream

This blog post is part of a 5-part series. It was originally published on December 15, 2016 and updated on July 17, 2019. B [...]

Identity & Fraud Synthetic Identity Fraud: Dissecting a Bust-Out

Technology and better security measures are making it more difficult for card counterfeiters to beat the system. So today’s criminals are tu [...]

Identity & Fraud How Identity Verification is Evolving

John Ray, Enterprise Fraud & Identity Analytics Leader, presented “Evolution of Identity” at the Equifax Spark 2019 conference. For more [...]

Data and Analytics What is Information Asymmetry?

Information asymmetry occurs when one party to an economic transaction has more or better information than the other party. Information asym [...]

Credit Risk Alternative Data Sheds Light on Credit Invisibles

Lenders have historically used credit data to score consumers. But the problem with this approach is that it prevents lenders from seeing “c [...]

Credit Risk Personal Loans are Hot; Lenders Taking Note

Market Conditions Ripe for More Consumer Lending An improving economy means more people feel confident in their ability to pa [...]

Credit Risk A Better Way to Evaluate Applicants for Unsecured Personal Loans

Equifax has developed Insight Score™ for Personal Loans, a risk score optimized to help lenders evaluate applicants seekin [...]

Credit Risk Q&A: How Financial Institutions Can Leverage Customer Data

Chris Atwood Financial institutions (banks, credit unions, etc.) can sideline disruption and achieve customer growth with better data util [...]

Credit Risk Forrester Study: 2 Trends Changing Consumer Banking

Today’s consumers have many choices. Go to the grocery store or have meals delivered? Cable, satellite or streaming service? Drive your car [...]

Data Driven Marketing Reach Valuable Customers of the Future

Identify Upward Mobile Customers Imagine if you could predict which prospects and customers would become your most high-spending, loyal pur [...]

Data Driven Marketing Connect Online with Consumers Planning for Retirement

It's that time of year when many consumers think about their financial goals for 2019, including planning for retirement. Consumers have end [...]

Data Driven Marketing The Right Online Ad for the Right Affluent Household

Not all Affluent Households are Alike Reaching high-income households online isn't hard. There are many digital targeting segments based on [...]

Data Driven Marketing Financial Marketers: Understand Gen-X Financial Behaviors

Does Segmentation Go Far Enough? Segmentation for customer acquisition is a mainstay of daily business for most financial service [...]

Credit Risk EBook: 3 Tips for a Winning CECL Strategy

Many financial institutions are still evaluating their Current Expected Credit Loss (CECL) implementation strategy. With implementation dead [...]

Data Driven Marketing Engage with Consumers Who Want to Save More

Did you know one of the most common New Year's resolutions is to save more money? If you're a marketer with a financial firm, you may be ask [...]

Credit Risk Authentication Strategies Every Credit Union Needs

A Two-step Authentication Approach Consumers are always on the go, using digital devices to make purchases, check account balan [...]

Recession Readiness Insights Q4 Economic and Credit Trends: Preparing for a Recession

In November, Equifax and Moody’s joined forces to recap the economic and credit trends of 2018 -- and look ahead to 2019. This is the second [...]

Data Driven Marketing Digital Credit Marketing: Preview Credit Eligibility

Digital Channels Have Their Challenges Historically, credit marketing has largely focused on delivering firm offers of credit t [...]

Data Driven Marketing Digital Credit Marketing: Extending Prescreen Campaigns

Envision a busy parent. You might imagine them driving to work or crunching deliverables all morning. Perhaps they're waiting for a doct [...]

Credit Risk CECL Preparedness: Overcoming Data Gaps and Inaccuracies 

Current Expected Credit Loss (CECL) will require financial institutions to gather data from various sources. Based on conversations w [...]

Credit Risk Evolution of Consumer Credit: Credit Risk Decisioning

The future of consumer credit is bright. Advancements in risk decisioning, account acquisition and relationship management are transforming [...]

Data Driven Marketing Credit Marketing: Enhancing the Digital Journey

As a financial company, you've probably tested virtually every element of traditional direct mail credit marketing campaigns – from the [...]

Identity & Fraud Synthetic ID Fraud: One of the Trickiest Tactics We’ve Seen

Synthetic IDs are Like Digital Frankensteins Halloween is always a fun time of year. It inspires a childlike excitement in us a [...]

Credit Risk The Potential Impact of CECL

Lending and the Economy While not its direct intent, the new current expected credit loss (CECL) standard could have a signific [...]

Credit Risk 5 High-Tech Strategies that Build Member Relationships

Meet Credit Union Members Where They Want to Do Business. It takes more than a “smile and a handshake” to develop a relationship [...]

Data Driven Marketing Want Better Visibility to Grow Assets Under Management?

New technology tools help wealth leaders and advisors work together to grow Assets Under Management (AUM) Growing AUM is a top go [...]

Data Driven Marketing New App: Insight into Potential Assets Under Management

Instant access to wealth and investment insights a game-changer -- for wealth management leaders and financial advisors Your fina [...]

Data Driven Marketing Differentiated Data: Spotting Diamonds in the Rough

Differentiated data can be a game-changer to help grow your Assets Under Management Prospecting is a numbers game. Optimizing the [...]

Credit Risk Bringing Underbanked Consumers Out of the Shadows

In this guest post, Wyatt Jefferies, Sr. Director of PR for Equifax, explores the underbanked consumer with Joshua Sledge, Director on the P [...]

Data and Analytics Forrester Q&A: Top Insights From Forrester’s CX Index

This is the fourth post in a 5-part series, Digital Customer Experience We asked Maxie Schmidt-Subramanian, PhD, Principal Ana [...]

Data and Analytics Forrester Q&A: Translating CX Improvements into Business Benefits/ROI

This is the second post in a 5-part series, Digital Customer Experience We asked Maxie Schmidt-Subramanian, PhD, Principal [...]

Data and Analytics The Impact of Digital Transformation on Customer Experience

Equifax asked recent webinar guest speaker, Maxie Schmidt-Subramanian, PhD, principal analyst serving customer experience professionals [...]

Credit Risk Next Generation of Credit Risk Modeling is Changing Everything

Banks and lenders want to deliver broader financial inclusion that enables them to score and approve more customers. But they don't want to [...]

Identity & Fraud Digital Identity Packs a One-Two Punch (of Benefits) for Digital Consumers

While brick-and-mortar locations will never fully disappear, consumers continue to make their smartphones the channel of choice for shopping [...]

Identity & Fraud Synthetic ID Fraud: Understand It, So You Can Stop It

Communications, Energy, Digital Media Providers Face New Challenges Online and mobile-based platforms are changing how fraudsters operate. [...]

Credit Risk Just How Big is the Market for Premium Credit Cards?

Credit card lending is still on fire. There have never been so many consumer choices for premium cards. They have exclusive names like The [...]

CERCA Recap: Identity Fraud & Tax Reform Implementation

The CERCA Spring Conference, held on May 16, capped a broadly successful 2018 filing season that saw tax identity theft reduced by [...]

Identity & Fraud Best Practices for Fighting Synthetic Identity Fraud

Synthetic identity fraud is a well-organized activity of fraud rings looking for ways to create and then nurture fake identities over a [...]

Identity & Fraud How much is too much? Are you losing customers by asking too many questions?

We’ve all been there. We try to apply for something or access an account for the first time on our mobile device and get frustrated at t [...]

Identity & Fraud The Impact of Synthetic Identity Fraud... By the Numbers

What is synthetic identity fraud? Synthetic identity fraud occurs when fraudsters create new, fictitious identities by using diff [...]

Credit Risk SPOTLIGHT: Neural Networks for Next Level Performance

Data Scientists: Do you love the new machine learning techniques but still can’t wrap your head around how to explain your results? Have y [...]

Identity & Fraud How Fraudsters Are Using Synthetic Identities

Pathways to Synthetic Identity Fraud Fabricated social security numbers (SSNs) and authorized user abuse are the two main pat [...]

Data Driven Marketing New Trends in Wealth Management Promise to Help Financial Advisors Grow their Book of Business

Over the past year, Equifax met with nearly 20 leading financial institutions to better understand key challenges faced in Wealth Management [...]

Credit Risk Can a new machine-learning technology transform credit assessment?

Data experts are excited about its potential Algorithms. Logistic regression. Both tried and true analytical methods. Yet, as much as these [...]

Data Driven Marketing 3 Ways “Good Enough” Analytics May Be Hurting Your Financial Services Organization

Most financial services organizations already have adopted data and advanced analytics strategies. They typically use data to identify poten [...]

Data Driven Marketing Reach the Right Millennials Through Their Devices

After a long day of work, it is unlikely that you will find Millennials standing around reading their mail the way that Boomers might. In fa [...]

Credit Risk Insights that Drive Commercial Card Approvals

Are you a financial institution looking to grow your commercial credit card business?  Focusing on this market makes a lot of sense, es [...]

Baby Boomer Wallets are Exploding: Over $320,000 in Average Assets per Household

Which generation controls over 46% of all U.S. invested assets? You guessed it: Baby Boomers. Boomers, born 1946-1964, have benefited hugely [...]

Baby Boomer Finances are Looking Fine for Communications Promotions: Income Up 15% in Five Years

For communications providers, marketing to consumers that have their finances in-check can help boost long-term ROI. Baby Boomers, born 1946 [...]

Data Driven Marketing Three Keys to Keeping Your Financial Services Organization Ahead of Changing Customer Behavior

For financial services organizations, competition from nontraditional market players is eating into revenue. According to PricewaterhouseCoo [...]

Identity & Fraud The Darker Side of the EMV Liability Shift: Fraud Shift

Fraudsters make the move to account takeover and application fraud schemes It’s been almost two years since the liability for card-not- pr [...]

Credit Risk White Paper: Comprehensive Data and Insights that Drive Smarter SMB Lending

Get a Big Picture View of Small Businesses Commercial payment performance data can help provide information on how a business is paying its [...]

Data Driven Marketing Segmentation Can Help Overcome Addressable TV's Small Scale

While TV has long been a fantastic way to deliver messaging to a wide audience, marketers have recently been attracted to new methods that a [...]

Credit Risk Approve More Business Customers

How machine-learning technology can provide insights that drive growth with less risk Soaring increases in computing volume and a [...]

Data and Analytics What’s the big secret? Neural networks decoded.

Advanced analytics, machine learning and logistical regression – traditional methods used to calculate credit scores today. Enter deep neura [...]

Credit Risk BusinessConnect™ Leverages Every Piece of Functionality within the® Platform

Many emerging technology solutions are so robust that it can be difficult to fully maximize their potential. However, Equifax likes a challe [...]

Credit Risk Revolutionize the Cloud’s Power with BusinessConnect™

It’s official: siloes don’t work. That’s why Equifax designed BusinessConnect™ to align three important revenue functions—Sales, Credit and [...]

Identity & Fraud Synthetic ID Fraud Is Not a Fictional Threat

The growth of synthetic identity fraud shows few signs of slowing. Data breaches, social media mining, phishing and other schemes  [...]

Identity & Fraud When is “Knowledge-Based” not Assured Authentication?

Knowledge based authentication (KBA) has been declared dead many times over the past few years.  But what is KBA and what exactly is th [...]

Identity & Fraud Two Sample Fraud Scenarios and Solutions for Combating Them

There are as many fraud schemes as there are fraudsters, but they fall into a few general buckets. Here are two of the most common fraud sce [...]

Data Driven Marketing Disparity in Portfolio Allocation Between Affluent, Mass Affluent Americans Points to Opportunity for Financial Services Firms

Data from the Equifax Observations and Impacts of U.S. Consumer Wealth Trends report paints a compelling and clarifying picture for financia [...]

Credit Risk Lenders Beware: HOAs Pack a Punch in Foreclosures

Walk into almost any homeowners’ association (HOA) meeting, listen to the discussions about unleashed dogs and roof repairs, and you might [...]

Research The Mass Affluent: You Can Bank on One Thing — They're Not All Alike

Today's mass affluent population is as diverse as the banks that serve it, representing a broad spectrum of individuals with varying financi [...]

Credit Risk The Home Equity Loan Is Back: Best Practices for Lenders

With housing values on the rise again, the home equity loan is back. Homeowners now have equity in their homes, and many are looking to tap [...]