How can financial institutions enhance their credit, fraud and analytics operations? CEO of Experian Software Solutions Alex Lintner discusses the transformative power of the Experian Ascend Technology Platform™ in his interview with DigitalJournal.com: https://lnkd.in/g3U42GbD #FinTech #Credit #FraudPrevention
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How can financial institutions transform their credit, fraud and analytics operations? In a recent Q&A with Digital Journal, Alex Lintner explores how Experian's Ascend Technology Platform helps FIs do it: https://lnkd.in/gqGXP9iX
Q & A: AI’s path to improve credit, fraud and analytics
digitaljournal.com
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This should be on the forefront of your planning/budget meetings! Technology is key to growth and it doesn't have to be complicated. Experian works hard to integrate with your core and LOS, so that you can provide a higher level of service to your members and/or potential members. Automation in your lending/new account workflows include solutions that cover; decisioning, pre-screen, pre-qualification, income verification and fraud mitigation to name a few! Not to mention the many partnerships we have to bring you data, the way you need it, for the entire member lifecycle. If you are looking to enhance your member relationships with technology, Experian should be on the top of your list. #experian #creditunion #membership #growth #data #technology
Enhancing member relationships through technology - CUInsight
cuinsight.com
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This should be on the forefront of your planning/budget meetings! Technology is key to growth and it doesn't have to be complicated. Experian works hard to integrate with your core and LOS, so that you can provide a higher level of service to your members and/or potential members. Automation in your lending/new account workflows include solutions that cover; decisioning, pre-screen, pre-qualification, income verification and fraud mitigation to name a few! Not to mention the many partnerships we have to bring you data, the way you need it, for the entire member lifecycle. If you are looking to enhance your member relationships with technology, Experian should be on the top of your list. #experian #creditunion #membership #growth #data #technology
Enhancing member relationships through technology - CUInsight
cuinsight.com
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Navigating the credit industry can be a maze, but CRS is here to simplify the process for you. As a certified CRA, we have direct API integrations with Equifax, Experian, and TransUnion, making us your one-stop shop for credit, fraud, and compliance needs. Here are some key points to note: #1 CRS is designed for businesses with a permissible purpose to access consumer credit reports. #2 Setting up with our credit API is a breeze. Contact our sales team, execute the contract, and we'll set up the credit API connection tailored to your requirements. #3 Our credit API setup typically takes 5 to 7 business days, depending on your requirements. #4 CRS credit API is a web-based interface compatible with any client-side environment. All you need is the ability to post requests via HTTPS with 128 bit SSL encryption. #5 Get credit reports and data in seconds. It only takes 2 to 3 seconds for a single-bureau credit report and 11 seconds for a tri-bureau merged credit report. #6 Our credit API is available 24/7 with 99.9% uptime. #7 We support a variety of data formats including HTML, MISMO, PDF, TEXT, XML, X12. #8 Our credit API supports both asynchronous and synchronous communication via HTTPS post. #9 We offer over 30 predefined, customizable templates for structuring your credit reports. #10 Yes, we do support credit card payments and credit scores are accessible via our credit API. Navigating the credit industry doesn't have to be a hassle. With CRS, you can get the credit data you need, when you need it. Ready to streamline your credit data management? Connect with us today, or tag someone who could benefit from our cutting-edge solutions. Let's transform the way you handle credit data together!
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· Fraud and identity verification: Experian's platform stops fraudsters faster and streamlines consumer experiences via a suite of software services powered by advanced AI analytics and comprehensive data assets across digital identity, device intelligence, behavioral analytics and credit insights. It delivers unrivaled identity verification and fraud risk detection to enable businesses to grow revenue through seamless consumer experiences and reduce fraud loss exposure
Enhanced Experian Ascend Technology Platform™ transforms software for credit, fraud and analytics
experianplc.com
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The policy of implementing separate queues for clients with different types of cards is deeply flawed and raises serious ethical and practical concerns, particularly in the context of financial inclusion. First and foremost, this policy has the potential to foster discrimination within the bank's customer base. It creates a stark division between clients based on the type of card they hold, effectively segregating customers into classes based on their financial status. This blatant stratification of customers is not only ethically questionable but also runs counter to the principles of financial inclusion, which seek to provide equitable access to financial services for all, regardless of their socioeconomic background. The idea that certain clients will receive preferential treatment simply because they have premium cards is an affront to the very notion of financial inclusion. It sends a clear message that the bank values the business of high-income or high-credit customers more than those with basic cards, undermining the fundamental principle that all individuals should have equal access to essential financial services. In practical terms, this policy also poses significant barriers to access for customers in need. Financial emergencies can strike anyone, regardless of their card type, and delaying access to services based on card classification is not only unjust but can also have detrimental consequences for individuals and families facing urgent financial challenges. In addition, this policy may present some challenges for premium cardholders too. It could put their financial information on display in a public area, which may compromise their privacy and safety. Premium users might feel uneasy about having their financial status revealed when they have to stand in a separate queue. Moreover, the public display of their premium status may make them more vulnerable to theft or fraud. Criminals might see them as having more valuable assets, putting them at risk. This policy not only fails to align with the principles of financial inclusion but also risks the safety and privacy of users, perpetuating discrimination and creating unnecessary divisions among customers. It is imperative that the bank reevaluates this ill-conceived practice, prioritizing fairness, transparency, and equal access to financial services for all its clients. Ultimately, such a policy not only has the potential to damage the bank's reputation but also undermines the very essence of financial inclusion that it should be striving to uphold.
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This isn’t smart from any angle. But why do this in a banking hall Standard Bank Group ? Why not base this on services a customer requires. With cards, does it mean it’s that bad of a service for lower tier cardholders? I have never heard of queuing based on card type in a bank. I do know based on services.
The policy of implementing separate queues for clients with different types of cards is deeply flawed and raises serious ethical and practical concerns, particularly in the context of financial inclusion. First and foremost, this policy has the potential to foster discrimination within the bank's customer base. It creates a stark division between clients based on the type of card they hold, effectively segregating customers into classes based on their financial status. This blatant stratification of customers is not only ethically questionable but also runs counter to the principles of financial inclusion, which seek to provide equitable access to financial services for all, regardless of their socioeconomic background. The idea that certain clients will receive preferential treatment simply because they have premium cards is an affront to the very notion of financial inclusion. It sends a clear message that the bank values the business of high-income or high-credit customers more than those with basic cards, undermining the fundamental principle that all individuals should have equal access to essential financial services. In practical terms, this policy also poses significant barriers to access for customers in need. Financial emergencies can strike anyone, regardless of their card type, and delaying access to services based on card classification is not only unjust but can also have detrimental consequences for individuals and families facing urgent financial challenges. In addition, this policy may present some challenges for premium cardholders too. It could put their financial information on display in a public area, which may compromise their privacy and safety. Premium users might feel uneasy about having their financial status revealed when they have to stand in a separate queue. Moreover, the public display of their premium status may make them more vulnerable to theft or fraud. Criminals might see them as having more valuable assets, putting them at risk. This policy not only fails to align with the principles of financial inclusion but also risks the safety and privacy of users, perpetuating discrimination and creating unnecessary divisions among customers. It is imperative that the bank reevaluates this ill-conceived practice, prioritizing fairness, transparency, and equal access to financial services for all its clients. Ultimately, such a policy not only has the potential to damage the bank's reputation but also undermines the very essence of financial inclusion that it should be striving to uphold.
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Account Specialist @ Experian // Leveraging the power of Data and Technology to help organizations dominate their industry
Want to discover new ways to speed up your underwriting process while decreasing risk? How about creating a frictionless lending experience for your members? Experian is always looking for new ways to partner with our FI's. By helping our clients overcome their biggest challenges, we are creating win, win, win scenarios. T-Pain would be proud! Let's talk about instant and consumer permissioned verifications! #Banks #CreditUnions #Lending #ConsumerLending #SpeedandEfficiency #Automate #CustomerExperience #IncomeandEmployment #WhoYouWorkWithMatters
Harnessing the Power of Instant and Permissioned Income and Employment Verification
experian.com
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Go the terms and conditions on credit karma and Experian BEFORE you dispute online! Also, when you claim the account is in “litigation” that triggers an investigation. While that investigation takes place, the items are SUPPRESSED not DELETED! Once the accounts come back VERIFIED, it makes very difficult to get those items removed. You can dispute LEGALLY and ACTUALLY sue! You don’t have to try a “glitch” 😂 Things like this is the reason EVERYONE thinks all credit repair professionals are “Scammers”! REAL companies that are registered and bonded have to work 10x as hard to gain the trust of all the people that pay for the “Special Code” then are stuck with all the accounts on their report 🤦🏾♂️ You may get lucky and thats great for YOU but the other 99% of people will be an a worse situation than they started! WE have to do better 🤦🏾♂️ #kingcreditservices #edutainment #creditmanagement #askkingcredit
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Has your client moved states? If so, it's crucial to recognise that relocating can impact your credit report. 🚚🏠 This is because your driver's license number changes, leading to either a new file or the need to merge files. When searching for a client's credit report after a state move, it's essential to input the old driver's license to access the accurate report. Otherwise, you risk generating a new, incorrect report with Equifax. 🛂❌ If you require help accessing the correct report from Equifax, we're here to assist. 💼🔍 Wipe Credit Clean #equifaxreport #badcredit #creditscore
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