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4Experian Annual Report 2009
Experian provides information, analytical tools and marketing
services to organisations around the world, ranging from small
start-up businesses to multinational corporations. Clients use these
services to manage risk, nd and retain customers, and automate
decision-making. Experian also helps individuals to manage their
credit relationships and to minimise the risk of identity theft.
Principal activities
Experian’s vision is for its people, data
and technology to become a necessary
part of every major consumer economy
in the world.
The Group reports itsnancial
performance on a geographical basis
across four regions – North America,
Latin America, UK and Ireland and
EMEA/Asia Pacic. Its activities in
these regions are grouped into four
principal business lines:
Credit Services
Credit Services helps organisations
to acquire new customers for credit
products, to predict and manage credit
risk, and to reduce their exposure to
bad debt and fraud. Experian maintains
very large, comprehensive databases
that hold the credit application and
repayment histories of millions of
consumers and businesses. The Group
owns 13 consumer credit bureaux and
ten business credit bureaux and has an
interest in a further two consumer and
two business credit bureaux around
the world.
Decision Analytics
Decision Analytics enables
organisations with large customer
bases to manage and automate huge
volumes of day-to-day decisions.
Experian’s clients include international
banks, utility companies and public
service providers, who rely on its
predictive tools and sophisticated
software to control decision-making at
all points of contact with customers.
Market position
Experian is the global leader in its
industry, with strong market positions.
The Group is nearly twice the size
of its nearest peer and considerably
broader in its capabilities and global
reach. This diversity and balanced
spread of revenues provides Experian
with a degree of protection against
uctuations in economies, as well as
signicant competitive advantage.
Competition for Experian’s products
and services often comes in the form
of niche, localised providers. There
is no single competitor that operates
across all four principal business
lines, although the Group has a
number of competitors within these
activities.
In consumer credit information,
Experian is one of three providers in
the US; the others are Equifax and
TransUnion. Experian is the clear
market leader in both the UK and
Brazil, and has leading positions in
many other countries.
In business information, Experian
has leading positions in the UK and
Brazil, and in a number of other
markets. Dun & Bradstreet is the only
global competitor in this eld.
Experian is the market leader in the
provision of credit-related analytics
and software in all geographies
other than the US, where Fair Isaac is
dominant. There is also competition
in individual markets from smaller,
localised players.
Contribution to Group revenue
Credit Services
Revenue by region
UK and Ireland 16%North America 46%
Latin America 27% EMEA/Asia Pacic 11%
42%
Decision Analytics
Revenue by region
Contribution to Group revenue
UK and Ireland 47%North America 24%
Latin America 2% EMEA/Asia Pacic 27%
Business and market overview
Introduction
13%