Data and Analytics

Recent Articles

Data and Analytics How Colleges can Ease Compliance with New FVT and GE Rules While Showcasing Degree Programs

Aren’t you curious? Wondering where your college degree programs will land on the affordability spectrum when the new earning premium me [...]

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 [...]

Data and Analytics Up Your Game: Strategies for Lenders to Modernize Prospecting

The pressure is on for lenders. You need to ensure that your acquisition strategies are competitive. But that can be quite the conundrum [...]

Data and Analytics 3 Tips for Lenders to Modernize Their Prospecting

How many years has your company been marketing lending offers to consumers? Five? Ten? Twenty? Fifty or more? It’s likely a lot of years.  [...]

Data and Analytics Fix Lagging Marketing Campaigns Before You Drain Your Budget

Crush your marketing ROI—and your revenue goals—with a next-level approach.  If you’re like a lot of other marketers, you’re feelin [...]

Data and Analytics NCTUE: Empowering Members with Comprehensive Consumer Data

In today's fast-paced and interconnected world, businesses across various industries are seeking innovative ways to make informed decisi [...]

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 [...]

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

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

Data and Analytics 5 Soft Pull Secrets to Help Dealers Sell More

As inventories begin to return to pre-pandemic levels, dealers must continue to find ways to improve customer experience and personaliza [...]

Webinar
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 [...]

Data and Analytics How the Auto Industry Can Make a Personalized Customer Experience

Introducing innovative solutions to the customer experience in the auto industry is critical. The events of the past few years, including [...]

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 [...]

Data and Analytics Four Steps to Smarter Prospecting in an Uncertain Economy

Everybody’s a little anxious about the economy these days, especially consumers. Stubborn inflation and lingering uncertainty have flatten [...]

Data and Analytics How to Prove a Winning Insurtech Concept, Faster (and Score Funding from Investors)

If you’re an Insurtech innovator, it’s time for a rethink. After a red-hot funding cycle in 2021, investment in the Insurtech space is c [...]

Data and Analytics How Credit Unions Can Succeed in an Uncertain Economy

  With rising interest rates and other economic headwinds, how are credit unions adapting? And how can they find the risks a [...]

Podcast
Data and Analytics How Financial Inclusive Lending Data is Impacting the Mortgage Industry

With the exciting news of telco, pay tv, and utility insights available to be delivered with every mortgage credit report here at Equ [...]

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 [...]

Podcast
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 [...]

Data and Analytics Want to Boost Alumni Engagement? Get Personal.

You should probably read this article…but nothing in it pertains to you personally. It’s not relevant to your job or your life in general. [...]

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- [...]

Data and Analytics How the Economy is Affecting Consumer Segments Differently

Consumers are being impacted differently in today’s uncertain economy. While some households are struggling, others are thriving, creating a [...]

Webinar
Data and Analytics How to Build Trust Throughout the Aftermarket Customer Journey

In automotive aftermarket businesses, people are at the center of each interaction. Yet, the landscape is continuing to evolve. Thus results [...]

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% [...]

Data and Analytics The Economy's Impact on Young Consumers

Every consumer, no matter their age or race, is currently impacted in some way by today’s economy. During our June 2022 Market Pulse webinar [...]

Webinar
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, [...]

Webinar
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 [...]

Webinar
Data and Analytics Stay Up-to-Date with the Supply Chain Crisis

During our April 14 Market Pulse webinar, our panel of experts discussed details pertaining to the recent supply chain crisis, as well as, t [...]

Webinar
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 [...]

Webinar
Data and Analytics Podcast: Is Cryptocurrency for You?

Cryptocurrency seemed to come out of nowhere, and now it’s changing the way the world does business. Many people are wondering if they shoul [...]

Podcast
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 [...]

Webinar
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 [...]

Podcast
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 [...]

Webinar
Data and Analytics Top 10 Insights from our 2021 Blogs

Header data, the Equifax Cloud, and COVID-19’s impact on the economy and credit card debt, were hot article topics in 2021. If you missed an [...]

Resource
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 [...]

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 [...]

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 [...]

Podcast
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 [...]

Podcast
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 [...]

Podcast
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 [...]

Podcast
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 [...]

Resource
Data and Analytics Mortgage Industry Resources: For Navigating a Pandemic

While the COVID-19 pandemic created uncertainty in the financial market, the mortgage industry remained strong with a positive long-term out [...]

Data and Analytics Differentiated Data Provides Clarity for Portfolio Reviews

Differentiated Data is Even More Critical in 2020 Consumer spending has picked up slightly since the summer lockdowns across ma [...]

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 [...]

Data and Analytics Top 5 Analytics Challenges Businesses Face

Many companies are leveraging data and analytics to create a competitive advantage in their industry and grow their business. The insights t [...]

Video
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 Our Top 10 Blog Posts of 2019

We live and breathe technology, data and analytics, and our passion is providing insights that help you make more informed decisions. Last y [...]

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 [...]

Video
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 [...]

Video
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 [...]

Video
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 [...]

Data and Analytics 3 Things Auto Lenders Should Know About Data

In today’s business environment, auto lenders need data to get ahead. But not just any old, raw data – it has to be standardized data. That’ [...]

Data and Analytics Auto Dealers and Consumers: More Data Sooner, Please

Auto Leaders Want to Make Car Buying Easier Leaders of the National Independent Auto Dealer Association (NIADA) met in Las Vegas this summe [...]

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 [...]

Video
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 [...]

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 [...]

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 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 [...]

Video
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 and Analytics Social Service Agencies: Expedite the Benefit Claims Process

Technology Provides Faster, More Accurate Claim of Benefits The current benefit eligibility verification process is a daily burden for case [...]

Data and Analytics Top 10 Blog Posts of 2018

Compliance, fraud and verification services were hot blog topics in 2018. Hopefully you didn’t miss any of our articles that featured ti [...]

Data and Analytics Forrester Q&A: Measuring Customer Emotion

We asked Maxie Schmidt-Subramanian, PhD, Principal Analyst with Forrester Research, about the impact of digital transformation on [...]

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: Getting My Organization to Act on CX Metrics

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

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 [...]

Data and Analytics Don’t Let Big Data Hinder Your Business

You have a lot of customer data -- housed in a lot of different locations. You’re working hard to make sense of it so you can better underst [...]

Data and Analytics Auto by Auto Experts: Clair Wallace

Auto lenders and dealers want more knowledge and faster information about their markets and customers—on and off the lot so they can qui [...]

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 [...]