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Here’s a thorny question…and your response may impact the future of your business in today’s uncertain economy. Is your customer data helping you, or hurting you? Specifically, are you using it to better understand your customers’ needs, wants, and preferences, and then delivering [...]
As we approach the halfway point of 2023, the economy faces multiple headwinds. From debt ceiling negotiations and the banking crisis to the Fed’s interest rate hikes, how will these events impact the second half of this year? In our latest Market Pulse podcast, we tu [...]
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After experiencing remarkable growth over the past couple years, what lies ahead for Buy Now Pay Lat [...]
During our August 11, 2022 Market Pulse webinar, presenter Jeff Jensen, Vice President at Ke [...]
During our August 11 Market Pulse webinar, our experts discussed details pertaining to the automotiv [...]
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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 [...]
As we approach the halfway point of 2023, the economy faces multiple headwinds. From debt ceiling negotiations and the bankin [...]
The nation’s consumers are becoming even more financially diverse. Think about young consumers and the growing number of immigrants who [...]
As economists warn of a possible impending recession, banks are raising their rates and tightening their lending standards. H [...]
During these challenging economic times, lenders need to strike a balance between growing their lending portfolios and managing risk. In [...]
Even with rising interest rates and economic uncertainty, consumers are still expected to seek out new unsecured loans and lines of credit [...]
Fintech companies are disrupting the financial industry. In times of economic uncertainty, the reality of implementing disruptive solution [...]
For lenders, today’s economy is causing some angst. While lending remains strong, many lenders are concerned about growth. How can they [...]
During the March 2023 Market Pulse webinar, “How Credit Unions Are Adapting to Economic Uncertainty,” panelists Rob Wescott, former Sp [...]
Financial institutions have become more risk-aware following the Fed’s interest rate hikes, an uncertain economy and recent challenges f [...]
Spoiler alert: it’s NOT what you think of when you think “Equifax” Everything you do as a credit union centers around your member [...]
Generation Z is the tech-savvy and socially conscious cohort born between 1997 and 2012. Gen-Z is beginning to establish its own financi [...]
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 [...]
We’re talking weeks, not months, or years A lot of businesses feel “stuck” in today’s uncertain market, unsure about how to get [...]
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 [...]
In today’s shifting economy, many credit unions continue to focus on maintaining adequate liquidity. Lower interest rates over the past [...]
From record inflation and rising interest rates, to wavering consumer spending power and a potential hiring slowdown, the ever-changing [...]
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 [...]
Where should consumer and commercial lenders look for responsible growth in 2023? While lenders should be judicious in challenging econo [...]
Big banks are flush with data and analytic resources. Optimizing their credit risk models is a seamless, efficient process. It’s [...]
Despite high-profile layoffs in the technology and media industries, the 2022 labor market has been a bright spot in the economy. How sh [...]
The demographic composition of current and prospective customer bases is changing. And, most financial providers recognize that. Consumers [...]
With 2022 almost in the books, the US economy is still experiencing pandemic whiplash and general economic uncertainty. We’ve been chall [...]
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? [...]
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 [...]
(This blog is the second in a two part series.) The economy is continuing to fluctuate. Financial marketers are starting to shift priorities [...]
Today’s credit unions want more account growth, more operational efficiency, and more digital services.¹ Yet, they also want something else. [...]
Credit union marketers have a full plate. They need to attract new members, deepen relationships with existing members, and provide a positi [...]
(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 [...]
Confidently serve below-prime members by seeing the bigger picture Approved. It’s a magic word. Especially for the estimated 77 million Ame [...]
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 [...]
Consumers are eager to make up for lost time as they depart for their summer vacations and settle back into their traditions. But with infla [...]
For our May 19 Market Pulse webinar our presenters discussed the recent economic update, consumer credit trends, and small business trends, [...]
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 [...]
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 [...]
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 [...]
Turbulence in the economy continues to create challenges for consumers and lenders alike. The wide range in how consumers are being impa [...]
This month’s Market Pulse webinar presenters included Dylan Hall, Co-Founder and CEO at Safe Rate; Peter Hellwig, Co-Founder at Atmos Financ [...]
During our March 10 Market Pulse webinar, our panel of experts discussed details pertaining to entrepreneurs and how they can participate in [...]
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 [...]
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 [...]
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 [...]
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 [...]
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 [...]
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 [...]
Buy Now, Pay Later (BNPL) financing is soaring in popularity this holiday season. Consumers are using these loans to purchase everything fro [...]
Today, financial institutions need to be agile, fast, and flexible to keep pace with the changing market and customer dynamics. Digitizati [...]
Optimized trust enables organizations to find, reach, and approve ideal customers in familiar and unexpected places. In this recap of our No [...]
The mortgage industry is constantly changing. But these lending FAQs can help you keep up with the latest trends and gain a competitive edge [...]
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 [...]
Necessity is the mother of invention. Just ask banking, fintech, and retail businesses, many of which compressed a decade of e-commerce inn [...]
We are living in a digital-first world and trust is more than secure transactions. During our November 11 Market Pulse: Optimizing Trust in [...]
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 [...]
Successful credit unions work hard to attract new members, strengthen existing member relationships, and give the community direct access to [...]
The economy is recovering and the outlook for small businesses is continuing to remain strong. Fintechs have started to step away from tradi [...]
Consumers and businesses need access to credit and lending to live and perform. Yet, 91.5 million consumers struggle to gain access to mains [...]
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 [...]
As the economy recovers the outlook for small businesses remains strong. Fintechs have started to step away from traditional credit data and [...]
The banking landscape is changing. Challenger banks, also known as neobanks, have taken off in popularity, especially since more people [...]
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 [...]
Post 2020, financial inclusion is the common theme This week, top data and analytics experts from Equifax and around the world will discuss [...]
Markets are continuously changing, whether it’s based on new customer behaviors, unforeseen economic forces or new competitors looking to di [...]
At the Virtual Consumer Data Industry Association (CDIA) Law & Industry Conference on July 12-14 2021, Peter Maynard, Senior Vice Pr [...]
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 [...]
In this recap of our June 24 webinar, “Market Pulse: Accelerating Access to Credit,” Chris Wheat, Co-President at JPMorgan Chase Institute; [...]
Demand Growing for Small Business Credit With economists predicting a GDP growth rate of 6.5% in the fourth quarter and consumer spending b [...]
In this recap of our June 3 webinar, “Market Pulse: The Post-Pandemic Small Business Economy,” Evan Leaphart, Founder and CEO of Kiddie Kred [...]
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, [...]
Businesses and consumers alike are experiencing information overload as they try to understand how the world is evolving in light of the COV [...]
The Responsible Use of Data The concept of privacy has changed dramatically since the pre-internet days -- and even since the 201 [...]
Many businesses operate in a transactional environment that requires fast credit decisioning. However, a variety of obstacles prevent them [...]
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 [...]
“Losses due to identity theft increased by 42% from 2019 to 2020 primarily due to the COVID-19 pandemic. Aite Group estimates that losse [...]
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 [...]
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 [...]
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 Accelerates in 2020 The year 2020 was a heyday for online fraudsters. There are a couple of reasons why. First, consumers we [...]
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 [...]
In this recap of our March 4 webinar, "Market Pulse: Return to Opportunity for Commercial Real Estate," Sarah Briscoe, senior statistical an [...]
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. [...]
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 [...]
After a year of credit tightening in 2020, consumer credit remains down across the board. That includes balances, utilization and delinq [...]
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 [...]
"The truth is, your identity has already been stolen. More than 800 million security breaches have occurred, and we have only about 320 mill [...]
A new administration in 2021 brings many changes. For our February 4 Market Pulse webinar, our panel of experts discussed the potential [...]
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 [...]
How American Express Achieves World-Class Customer Service What does personalization really mean in marketing today? According [...]
We captured key insights from the January 14 webinar, Market Pulse: Planning in a K-Shaped Recovery, featuring Cris deRitis, Deputy Chi [...]
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 [...]
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 [...]
This is a recap of the December 10 webinar, Market Pulse: Consumer Spending Trends and Expectations. We’re sharing key insights offere [...]
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 [...]
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 [...]
Businesses must learn how to take advantage of seasonal spending, while protecting their portfolios and mitigating risk. For the December 10 [...]
Consider Performance Criteria, Algorithms and Labeled Data Fraud prevention is a challenging task, given the mercurial nature of the proble [...]
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 [...]
A Surge in COVID-19, Vaccine Expectations and Economic Stimulus The announcement of a vaccine is certainly cause for an upgrade in the traj [...]
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 [...]
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 [...]
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 [...]
Sharing Ideas and Best Practices for a Challenging Time This year’s Ignite Live 2020 was buzzing with ideas about how to lead wi [...]
Welcome to our blog series on leveraging the power of data and analytics to maximize identity results. In my previous article, I shared [...]
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 [...]
This year has forced financial firms to reevaluate and alter their lending programs. Many lenders have had to work quickly to adapt in order [...]
Why Digital Credit Marketers Should Embrace Email Consumers are relying more on digital channels during the pandemic, whether it's work, sh [...]
It has never been more important for businesses and consumers to trust who they're doing business with. Everyone knows the adage, [...]
New Podcast Examines Latest Economic Trends for Consumer Credit and Small Business The Market Pulse podcast is a new production from E [...]
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 [...]
Buy now, pay later FinTechs face merchant risks and consumer risks simultaneously Thank you for joining me for the second article in a thre [...]
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 [...]
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 [...]
Advance your business with data-driven recession marketing strategies In early June, The National Bureau of Economic Research ann [...]
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 [...]
Why Proxy Model Explanations of Neural Networks Inevitably Fail For financial service providers, credit risk modeling is all about id [...]
The coronavirus pandemic has altered the U.S. economic landscape triggering a significant slowdown in marketing activity across industries. [...]
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 [...]
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 [...]
May 2020 Market Pulse Series - FAQs Equifax and our expert guest speakers answered dozens of questions from attendees follow [...]
Businesses and Fraudsters Are Adapting The global pandemic of COVID-19 is pushing both businesses and fraudsters to adapt. While the d [...]
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 [...]
Financial brands have slashed volumes during the COVID-19 pandemic, but that doesn’t mean they have stopped marketing, says Equifax partner [...]
Financial firms are focusing on risk mitigation during the pandemic, but that doesn't mean financial marketers should simply wait it out. Wh [...]
How to Mitigate Decline in Predictive Power As you may recall from my last post, we examined the impact accommodation could have on credit [...]
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 [...]
Ground-breaking modeling techniques fueled by machine learning and explainable artificial intelligence (xAI) are transforming the credit dec [...]
In this blog series, Equifax and expert guest speakers answer top of mind questions from attendees on the weekly Market Pulse Webinar Series [...]
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 [...]
Authentication Strategies for Today’s Digital Age Carefully orchestrated authentication and identification strategies are critical in today [...]
It's a Priority to Stay Vigilant Many of you are protecting workers by encouraging social distancing and providing work-from-home opti [...]
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 [...]
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 [...]
FICO recently announced that its new FICO® Score 10 T, set to be released this summer, will include trended data. With this new option [...]
Financial institutions are struggling to keep up with evolving fraud tactics. They tell us their top areas of concern are new account fraud, [...]
Since the last U.S. recession in 2008, financial risk management has seen significant changes. Lending requirements are tighter, verific [...]
This question sounds absurd. But this is one of the most important questions lenders must ask themselves when making consumer credit de [...]
Digital Disruption Shifts Expectations Credit unions are having to change how they interact with their members. Due to rapidly evolving t [...]
In recent weeks, you may have heard that the Current Expected Credit Loss accounting standard - the regulation known as CECL - has been [...]
I grew up watching various science fiction drama TV shows and recall one particular character that could shape-shift. He would shape-shift i [...]
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 [...]
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 [...]
Risk models eventually become less predictive or relevant due to evolving market conditions. New and improved versions routinely replace the [...]
Customer experience and customer growth go hand-in-hand. One way to improve your customer experience is to make better credit offers to more [...]
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 [...]
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 [...]
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 [...]
Aite Group Report: Consumer Lenders Anticipate Slowdown If headlines have you wondering when a change in the credit cycle might occur - or [...]
Last week, top data and analytics experts from Equifax and around the world convened in Edinburgh, Scotland for Credit Scoring and Cr [...]
Adaptive AI is the next great advancement in leveraging AI for credit risk. Equifax's Chief Innovation Architect, John Fenstermake [...]
Discover Your Diamond Customers Among the Rough Fraudsters. There is no doubt that today’s cybercriminals are dedicated to thei [...]
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 [...]
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 [...]
This blog if the fourth article in a 5-part series. It originally published on January 26, 2017 and was updated on July 17, 2019. Trended d [...]
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. [...]
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 [...]
Losses from Synthetic Identity Fraud are Increasing Most of us are familiar with the fable from Greek storyteller, Aesop, about the boy who [...]
This blog post is part of a 5-part series. It was originally published on December 15, 2016 and updated on July 17, 2019. Businesses face [...]
Technology and better security measures are making it more difficult for card counterfeiters to beat the system. So today’s criminals are tu [...]
John Ray, Enterprise Fraud & Identity Analytics Leader, presented “Evolution of Identity” at the Equifax Spark 2019 conference. For more [...]
Information asymmetry occurs when one party to an economic transaction has more or better information than the other party. Information asym [...]
Lenders have historically used credit data to score consumers. But the problem with this approach is that it prevents lenders from seeing “c [...]
Market Conditions Ripe for More Consumer Lending An improving economy means more people feel confident in their ability to pay back a per [...]
Equifax has developed Insight Score™ for Personal Loans, a risk score optimized to help lenders evaluate applicants seekin [...]
Chris Atwood Financial institutions (banks, credit unions, etc.) can sideline disruption and achieve customer growth with better data util [...]
Today’s consumers have many choices. Go to the grocery store or have meals delivered? Cable, satellite or streaming service? Drive your car [...]
Identify Upward Mobile Customers Imagine if you could predict which prospects and customers would become your most high-spending, loyal pur [...]
It's that time of year when many consumers think about their financial goals for 2019, including planning for retirement. Consumers have end [...]
Not all Affluent Households are Alike Reaching high-income households online isn't hard. There are many digital targeting segments based on [...]
Does Segmentation Go Far Enough? Segmentation for customer acquisition is a mainstay of daily business for most financial service [...]
Many financial institutions are still evaluating their Current Expected Credit Loss (CECL) implementation strategy. With implementation dead [...]
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 [...]
How Does the Shift to Digital Marketing Impact Measurement? In today’s credit marketing landscape, digital marketing rules. Email is oversh [...]
A Two-step Authentication Approach Consumers are always on the go, using digital devices to make purchases, check account balan [...]
Increase the True Return on your Marketing Investment Today's customer journey is convoluted, to say the least. With more marketing channel [...]
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 [...]
Digital Channels Have Their Challenges Historically, credit marketing has largely focused on delivering firm offers of credit t [...]
Envision a busy parent. You might imagine them driving to work or crunching deliverables all morning. Perhaps they're waiting for a doct [...]
Gaining Visibility into Past and Future Performance is Crucial It’s that time of year again - time to analyze your annual marketing perform [...]
Current Expected Credit Loss (CECL) will require financial institutions to gather data from various sources. Based on conversations w [...]
As a consumer, what's your first thought when you find a credit offer in your stack of snail-mail? Do you open it? Do you wonder why you're [...]
The future of consumer credit is bright. Advancements in risk decisioning, account acquisition and relationship management are transforming [...]
As a financial company, you've probably tested virtually every element of traditional direct mail credit marketing campaigns – from the [...]
Synthetic IDs are Like Digital Frankensteins Halloween is always a fun time of year. It inspires a childlike excitement in us all when we s [...]
Savvy marketers know measurement all about understanding the purchase path of consumers who have converted. But to gain the best insights, m [...]
Lending and the Economy While not its direct intent, the new current expected credit loss (CECL) standard could have a signific [...]
Meet Credit Union Members Where They Want to Do Business. It takes more than a “smile and a handshake” to develop a relationship [...]
New technology tools help wealth leaders and advisors work together to grow Assets Under Management (AUM) Growing AUM is a top goal for wea [...]
Instant access to wealth and investment insights a game-changer -- for wealth management leaders and financial advisors Your fina [...]
Differentiated data can be a game-changer to help grow your Assets Under Management Prospecting is a numbers game. Optimizing the [...]
In this guest post, Wyatt Jefferies, Sr. Director of PR for Equifax, explores the underbanked consumer with Joshua Sledge, Director on the P [...]
This is the fourth post in a 5-part series, Digital Customer Experience We asked Maxie Schmidt-Subramanian, PhD, Principal Ana [...]
This is the second post in a 5-part series, Digital Customer Experience We asked Maxie Schmidt-Subramanian, PhD, Principal [...]
Equifax asked recent webinar guest speaker, Maxie Schmidt-Subramanian, PhD, principal analyst serving customer experience professionals [...]
Banks and lenders want to deliver broader financial inclusion that enables them to score and approve more customers. But they don't want to [...]
While brick-and-mortar locations will never fully disappear, consumers continue to make their smartphones the channel of choice for shopping [...]
Communications, Energy, Digital Media Providers Face New Challenges Online and mobile-based platforms are changing how fraudsters operate. [...]
Credit card lending is still on fire. There have never been so many consumer choices for premium cards. They have exclusive names like The [...]
The CERCA Spring Conference, held on May 16, capped a broadly successful 2018 filing season that saw tax identity theft reduced by [...]
Synthetic identity fraud is a well-organized activity of fraud rings looking for ways to create and then nurture fake identities over a [...]
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 [...]
What is synthetic identity fraud? Synthetic identity fraud occurs when fraudsters create new, fictitious identities by using diff [...]
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 [...]
Pathways to Synthetic Identity Fraud Fabricated social security numbers (SSNs) and authorized user abuse are the two main pat [...]
Over the past year, Equifax met with nearly 20 leading financial institutions to better understand key challenges faced in Wealth Management [...]
Data experts are excited about its potential Algorithms. Logistic regression. Both tried and true analytical methods. Yet, as much as these [...]
Most financial services organizations already have adopted data and advanced analytics strategies. They typically use data to identify poten [...]
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 [...]
Are you a financial institution looking to grow your commercial credit card business? Focusing on this market makes a lot of sense, es [...]
Which generation controls over 46% of all U.S. invested assets? You guessed it: Baby Boomers. Boomers, born 1946-1964, have benefited hugely [...]
For communications providers, marketing to consumers that have their finances in-check can help boost long-term ROI. Baby Boomers, born 1946 [...]
For financial services organizations, competition from nontraditional market players is eating into revenue. According to PricewaterhouseCoo [...]
Fraudsters make the move to account takeover and application fraud schemes It’s been almost two years since the liability for card-not- pr [...]
Get a Big Picture View of Small Businesses Commercial payment performance data can help provide information on how a business is paying its [...]
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 [...]
How machine-learning technology can provide insights that drive growth with less risk Soaring increases in computing volume and available d [...]
Advanced analytics, machine learning and logistical regression – traditional methods used to calculate credit scores today. Enter deep neura [...]
Many emerging technology solutions are so robust that it can be difficult to fully maximize their potential. However, Equifax likes a challe [...]
It’s official: siloes don’t work. That’s why Equifax designed BusinessConnect™ to align three important revenue functions—Sales, Credit and [...]
The growth of synthetic identity fraud shows few signs of slowing. Data breaches, social media mining, phishing and other schemes [...]
Knowledge based authentication (KBA) has been declared dead many times over the past few years. But what is KBA and what exactly is th [...]
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 from the Equifax Observations and Impacts of U.S. Consumer Wealth Trends report paints a compelling and clarifying picture for financia [...]
Walk into almost any homeowners’ association (HOA) meeting, listen to the discussions about unleashed dogs and roof repairs, and you might t [...]
Today's mass affluent population is as diverse as the banks that serve it, representing a broad spectrum of individuals with varying financi [...]
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 [...]