Experian 2016 Annual Report Download - page 9

07
REVENUE BY REGION
REVENUE BY REGION
Marketing Services
16%
21%
Contribution to
Group revenue
Contribution to
Group revenue
We help brands around the world
to connect with people, whenever
they communicate and engage with
them and on whatever device they
are using.
We use our strengths in data
management and analytics to create a
picture of who our clients’ customers
are, pulling together data from many
sources. This helps our clients to
identify their best customers and
better understand their interests and
motivations so that they may create
offers which are relevant.
Using this information, our clients can
increase customer retention by rewarding
customer loyalty. They can also find new
customers to interact with, and increase
engagement by developing the most
appropriate and personalised offers.
High-quality, accurate data is crucial
to a brand’s ability to connect with
customers and deliver the products and
services they want. We help our clients
to verify, validate and cleanse their data
sets, linking records at the customer
account level and enhancing them with
third-party data. This helps to ensure
data is accurate, up-to-date and provides
a holistic picture of a customer.
Our marketing platform helps clients
to plan, manage and execute their
campaigns quickly and efficiently.
It allows them to communicate
with their customers, with the right
message, through their preferred point
of contact, whether by post, email or
social media, as well as measure the
success of a campaign and the return
on their investment.
Market position – we hold leading
positions in our three focus areas:
data, data quality and cross-
channel marketing.
Competitors – include Acxiom, Adobe,
Epsilon, IBM, Oracle, Salesforce.com
and Teradata.
Financial characteristics –
transactional, volume-tiered charges,
data licences and subscription fees.
North America 52%
Latin America 3%
UK and Ireland 27%
EMEA/Asia Pacific 18%
Consumer Services We provide online access to a
person’s credit report and score,
giving them the tools to understand
and improve their financial status,
and helping to protect against fraud
and identity theft.
A credit report includes how a person
has repaid their credit in the past, such
as credit cards, car loans, utility bills
and mortgages, and forms the basis
for their credit score. This measures
the likelihood that they will repay what
they owe and is used by lenders to
understand the risk of lending to them.
Using our online services, people can
monitor their credit score, learn about
managing their finances and find ways
to improve it themselves. They can call
our helplines and speak directly with us
for extra support and information. An
improved credit score may help a person
to negotiate better rates for loans, credit
cards and mortgages.
Our identity protection services give
people peace of mind, by helping to
protect their identity and detect when
this may have been compromised or
stolen. Every day we check a person’s
credit report for changes that might
indicate identity theft and, in the event
of fraud, give people access to our
dedicated fraud resolution experts. We
scan the wider web and social networks
in real time for the unauthorised
presence of personal, contact and
financial information, to help prevent
identity fraud before it happens.
Market position – a market leader in
the USA and the UK.
Competitors – include CallCredit, Credit
Karma, Noddle, Equifax, Fair Isaac,
TransUnion and other niche providers.
Financial characteristics – monthly fee
for direct-to-consumer subscriptions or a
free base with pay-as-you-consume add-
ons, and revenue or profit share basis for
affinity partnerships.
North America 73%
UK and Ireland 27%
Strategic report •Our business activities