Decisioning

Experian^® offers a breadth of decisioning tools and products designed to increase the precision, speed and agility of your decision-management processes, so you can respond rapidly and cost-effectively to market changes.

Gain the flexibility and insight needed to make the right customer decisions. Determine the appropriate credit-approval decision. Present the ideal cross-sell offer. Identify fraudulent activity. These and countless other critical business decisions can be automated and optimized for maximum business performance using Experian’s decisioning software.

Put More Data To Work	Greater Decisioning Power	Improved Market Agility
Pull data from multiple sources — both internal and external — into your decisioning model Access an unlimited number of scores and attributes, including real-time access to credit bureau data Integrate third-party data sources into your decisioning engine	A best-in-class decision engine capable of calculating numerous predictive attributes and custom scoring models Test new strategies against current decision models or perform what-if simulations on historical data Numerous applications: launch new products, increase customer retention, generate cross-sell offers and much more	Deploy new decision strategies faster, so you can respond to market changes in a timely manner Deliver real-time, instant decisions while a customer is at the point of sale Quickly adjust your decisioning strategies to respond to regulatory changes

What Type of Business Decisions Can Be Improved?

Experian’s decisioning systems have applications across a broad cross section of industries and business processes. These include:

Types of Decisions

Industries

Lines of Business

Other Applications

Prospecting decisions
Prescreen
Acquisition and underwriting decisions
Fraud determination
Customer management decisions
Credit line management decisions
Initial pricing determination
Collection management decisions

Banks, credit unions and other financial institutions
Finance and credit companies
Retailers
Telecom, energy and utilities
Healthcare providers
Government agencies
Collections agencies
Processors and resellers

Student loans
Deposits
Personal/Unsecured
Credit card/Debit card
Vehicle finance
Home equity
Mortgage
Commercial

View an extended matrix of decision types, industries and applications.

Easier Implementation

Flexible Deployment	Implementation Support	Simple and Reliable
A variety of deployment options, including on-premise, hosted and Software as a Service, are available based on your business needs Deploy as a standalone system or integrate seamlessly into your systems and business processes Scalable and customizable, so you pay for only the functionality you need	We partner with you to ensure the correct decisioning solution is chosen, customized and installed From start to finish, a dedicated team of our decision management consultants works with you to perform strategy design, model validation and data intelligence, ensuring a successful system implementation	Put decisioning power into the hands of business users, giving them the power to manage decision strategies without IT involvement Process a high volume of transactions, with support and availability 24 hours a day Augment and improve your existing systems with minimal IT costs

The Power of Dynamic Decisioning Strategies

Dynamic, continuous-loop decision management systems offer significant advantages over static, rigid business rules that change only periodically. As highlighted in the video below, Experian’s PowerCurve® decisioning platform offers the agility to continually adjust business rules, thereby delivering a truly dynamic decision management system.

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Learn More

Download “Enhance Your Decision-Making Capabilities”, a whitepaper that details:

How to identify opportunities for business improvement through decisioning
How to prioritize decisioning opportunities, based on potential business value
The components of an optimized decision-making system

Download the guide

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