Experian 2007 Annual Report Download - page 8
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Introduction | Business review | Governance | Financial statements
Decision Analytics provides the
analytical skills and specialist
software products that enable
organisations to increase the
speed and quality of their
decision-making.
Using Experian’s products, clients are able to assess
very quickly the potential risks and rewards
associated with particular actions. They can
determine, for example, the suitability of a
customer for additional loan products or the
probability of an individual responding to a
particular credit offer. They can also assess the
likelihood of a customer account falling into arrears
if a credit limit is increased.
Experian’s credit scorecards use well-proven
statistical techniques to predict the behaviour of
consumers based upon their historical performance
and the characteristics declared on their application
forms. This helps to ensure that decisions are taken
fairly and impartially. Used in conjunction with our
specialist software, clients can test and fine-tune
different lending strategies. Changes in strategy
can then be implemented quickly, with the
confidence that they will be reflected in dealings
with all customers throughout the organisation.
Experian also supports clients in the constant fight
against fraud. Consumers today expect to be able
to make instant purchases with their credit and
debit cards, even remotely over the Internet or by
telephone. They also want fast decisions when
applying for credit facilities, personal loans or other
services. We help by instantly verifying a customer’s
identity and alerting our clients to discrepancies in
the information provided.
Decision Analytics
06 | Experian Annual Report 2007