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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 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 [...]

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 [...]

Data and Analytics How AI is Transforming Traditional Credit Scoring & Lending

Artificial Intelligence (AI) is all the rage right now. At a recent conference that I attended, a guest speaker was asked, “What’s the f [...]

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 How BNPL Firms can Unlock Profitability During Uncertain Economic Times

Two years ago, Buy Now Pay Later (BNPL) firms were legit Fintech superstars. Globally, transaction values soared by $87 billion from 201 [...]

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 [...]

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 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 Utilize Advanced Data Science to Improve Credit Decisions in Uncertain Times

Lenders are becoming smarter about who they lend to. Lenders are using alternative data and advanced analytics to lend faster and smarte [...]

Recession Readiness Insights SoFi: How Fintechs can Manage Economic Headwinds

  Fintechs are known for their innovation in customer service, transforming accessibility and making payments faster, among other [...]

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 [...]

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 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 [...]

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 [...]

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 [...]

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 [...]

Data and Analytics How FinTech Startups are Making Life Easier

2022 is the second year for the annual Equifax Accelerate Program and developer challenge in partnership with 1871. 1871 is a Chicago- [...]

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 3 Benefits for Credit Unions Investing in a Secure Frictionless Digital Experience

In an ever changing digital environment there is an increasing need for Credit Unions to simultaneously achieve fraud prevention, efficient [...]

Recession Readiness Insights BNPL Tailwinds and Headwinds

After experiencing remarkable growth over the past couple years, what lies ahead for Buy Now Pay Later? In general, forecasts are positive. [...]

Data and Analytics 5 Data Nuggets to Boost BNPL Profits

2021 was a breakout year for BNPL in the U.S. BNPL gross merchandise value accelerated to $49 billion, with projections to grow another 65% [...]

Identity & Fraud Top 7 Insights for the Retail Banking Industry

Our industry leaders are constantly providing and sharing insightful knowledge on topics including factors impacting consumer behavior and b [...]

Credit Risk Promoting Consumer Financial Health with BNPL

As U.S. consumers continue to migrate their shopping habits toward online merchants and become more aware of point of sale financing alterna [...]

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 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 [...]

Identity & Fraud Reduce Buy Now, Pay Later Fraud Risk

The boom of BNPL and the fraud that comes with it  Everyone is talking about Buy Now, Pay Later as the boom continues. The value of BN [...]

Credit Risk Analysis: How Buy Now, Pay Later can Impact Consumer Credit Scores

For our February 10 Market Pulse webinar, we discussed Buy Now, Pay Later and their effect on consumer credit scores, plus consumer credit t [...]

Credit Risk FICO® and Equifax Answer Your Questions on BNPL

We had an overwhelming attendance and response at this month’s Market Pulse webinar on the rising financial service, Buy Now, Pay Later (BNP [...]

Credit Risk Expand Credit Access with Buy Now, Pay Later

As Buy Now, Pay Later (BNPL) transaction volumes continued to rise through the holiday season, one of the most asked questions is, how does [...]

Widen Your Consumer Scope with Alternative Data

Credit Invisible 91.5 million consumers have little-to-no credit history.¹ Unfortunately, having no credit history makes it very difficult [...]

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 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 [...]

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 [...]

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 [...]

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 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 [...]

Data and Analytics What is the Equifax Cloud and How Does it Benefit Customers?

The Equifax Cloud™ is the new foundation of our business. Built primarily on the Google Cloud, it is the result of our $1.5B investment in [...]

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; [...]

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 [...]

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 [...]

Credit Risk The Journey to Help Consumers Hear “Yes” More

Equifax has come a long way since its founding in 1899 by a pair of Tennessee-based grocers. Those long-ago grocers compiled lists of cu [...]

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 [...]

Data and Analytics Storytelling Through Data

Does Your Data Tell the Whole Story? As a marketer, you’ve heard the mantra: let the data tell the story. But does data tell th [...]

Credit Risk The U.S. Economy and Consumer Wealth in 2021

This is a recap of the April 1 webinar, Market Pulse: The Tide is Turning. We are sharing key insights on the U.S. economy and consumer [...]

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 [...]

Data and Analytics Stanford University: Is Your Data Good Quality?

Defining Quality Data  As marketers, we rely on data. But whether we use it to make key business decisions or simply cite th [...]

Credit Risk Visualizing XAI in Credit Risk

 AI models hold the promise of better solutions in risk decisions. But how do risk managers and compliance officers vet AI solutions fo [...]

Data and Analytics Podcast: SoFi Treats Data as Electricity

Creating a Bespoke Customer Experience   SoFi reached a major milestone last year: one million members, and durin [...]

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 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 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 [...]

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 [...]

Data and Analytics Data Stewards: The Experts Behind Data Perfection

I interviewed Senior Business Analyst Jennifer Davis about the importance of what we call, data stewards. She manages a group of data a [...]

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 [...]

Data and Analytics 5 Secrets of Innovation

Benjamin Franklin famously said there were only two things certain in life: death and taxes. But I'd like to add a third certainty: change. [...]

Data and Analytics Seeing Through a New Innovation Lens

Kurt Baumberger has joined Equifax as Enterprise Innovation Officer. In this new role, he will create new capabilities to empathize wit [...]

Data and Analytics How to Go to Market Faster with Data Analytics

Leveraging a Faster Model Development Environment for Data Analytics Moving from data to insights is no easy feat for today’s businesses. F [...]

Identity & Fraud 6 Questions for Infutor, a Leader in Consumer Identity Management

Equifax recently joined forces with Infutor, an industry leader in consumer identity management. To help customers and prospects understand [...]

Data and Analytics How Better Attributes Result in More Predictive Analytics

It All Starts with Building the Right Attributes With the data explosion we’ve seen in recent years, businesses have access to more data th [...]

Data and Analytics What is the Data Science Lab?

The Data Science Lab is the heart of innovation at Equifax. In this interview, Chris Yasko, Interim Enterprise Innovation Offic [...]

Identity & Fraud How Multi-Factor Authentication Helps Customers

Approximately $12 billion has been stolen by identity thieves over the past six years[i], and consumers are increasingly aware of its risks. [...]

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 Q&A: Why Empathy is Critical for Data Scientists

Dr. Colin Coleman, SVP of Data and Analytics at Equifax, focuses on strategy for data and analytics as a center of excellence and around mod [...]

Data and Analytics Chalcy Raja: Blazing a Trail for Women in Big Data

Chalcy Raja leads the Big Data Platform team at Equifax. She has been a trailblazer in the area of big data, having worked as a data enginee [...]

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 [...]

Identity & Fraud A Real Way to Fight the Threat of Fake IDs

You probably know someone who’s had their identity stolen. You may have even been a victim yourself. But what happens when fraudsters steal [...]