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xx Experian Annual Report 2011
4
Business and market overview
Experian’s vision is for its people, data and technology to become a necessary part of
every major consumer economy. The Group provides data and analytical tools to a wide
range of organisations and consumers across the world. Its businesses are characterised
by market-leading positions, high barriers to entry, global reach and potential for
long-term growth.
Experian is the global leader in its industry, with strong market positions. It is more
than twice the size of its nearest peer and considerably broader in its capabilities and
global reach. This diversity enables Experian to support clients across many countries,
providing competitive advantage, and creating many opportunities to grow in markets
across the world.
There is no single competitor that operates across all of Experian’s four principal
activities, although the Group has a number of competitors within each.
Competitive environment
Market influences Globally, there are a number of strong market influences that are driving long-term
growth across Experian’s business activities: Credit Services, Decision Analytics,
Marketing Services and Interactive.
Experian provides services
in North America, Latin
America, UK and Ireland
and EMEA/Asia Pacific,
and reports its financial
performance across those
regions. Activities in these
regions are grouped into
four principal activities.
Experian has a unique and sustainable business model that is focused on generating
and preserving value for shareholders.
Business model
Credit Services
Credit Services provides information
to organisations to help them
manage the risks associated with
lending money. Experian helps
clients find new customers, predict
and manage credit risk and reduce
exposure to bad debt and fraud.
North
America
40%
Latin
America
38%
UK and
Ireland
12%
EMEA/
Asia Pacific
10%
Revenue by region
Decision Analytics
Decision Analytics provides
organisations, such as banks,
utility companies and public service
providers, with predictive tools and
sophisticated software to help them
manage and automate huge volumes
of day-to-day decisions.
North
America
26%
Latin
America
3%
UK and
Ireland
40%
EMEA/
Asia Pacific
31%
Revenue by region