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© 2016 Experian Information Solutions, Inc. All rights reserved. Experian and the marks used herein are service marks or registered trademarks of Experian
Information Solutions, Inc. Other product and company names mentioned herein are the trademarks of their respective owners. No part of this copyrighted
work may be reproduced, modified, or distributed in any form or manner without the prior written permission of Experian. Experian Public.
#vision2016
Unlock the constraints
of your existing decision
platform and step into
the world of flexibility
and data access
through the addition
of Decisioning
as a ServiceSM
© 2016 Experian Information Solutions, Inc. All rights reserved.
Experian Public.
Introducing:
#vision2016
Donna Hall Experian
Christi Brueggeman Experian
3 © 2016 Experian Information Solutions, Inc. All rights reserved.
Experian Public.
#vision2016
Experian Decisioning as a ServiceSM
US Bank Equipment Finance case study
US Bank Indirect Dealer Services case study
What are we covering?
Measurable results
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Experian Public.
#vision2016
Experian Decisioning
as a ServiceSM
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Experian Public.
#vision2016
More than 200,000,000 real-time Decisioning as a ServiceSM transactions processed annually
99.998% uptime
Average transaction time less than one second
Tier IV: fault tolerant site
infrastructure (highest and most secure level) design
Primary site in McKinney, TX with resilient dark fiber
network connectivity to secondary site in Allen, Texas
Multiple layers of logical and physical security. Designed to eliminate single points of failure, while providing resilience and disaster recovery
Decisioning as a ServiceSM
is supported
by Experian’s world-class hosting facilities
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Experian Public.
Existing credit bureau connections access
Decisioning as a ServiceSM
Your existing business process for accessing credit data
Decisioning as a ServiceSM
Data Attributes Scores Decisions Treatments
Risk score
Debt to income
Approve
Decline
Employment status
Approve
Decline
Standard credit bureau
access method
Inquiry information (Name, address, other information)
Standard credit bureau
access method
Decision and
treatment
Supports: Custom data, model, and attribute delivery, instant prescreen,
prequalification, and instant credit decisions and decision only
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Decisioning as a ServiceSM
enables
expert-level decisioning capabilities
Decision
process Beginner Intermediate Expert
Data Bureau data only Bureau data plus internal
customer information
Bureau and internal data
plus other external data
and triggers
Attributes
No attributes used in
decisioning criteria Risk attributes
Behavior and custom
attributes
Scores Generic risk scores Risk scores, fraud scores,
income scores
Custom scores, bust out
scores, recovery scores
Decisions Simple decisioning criteria Champion / challenger What-if simulation and
shadow processing
Treatments Basic treatments and offers Multiple treatments or offers Assisted-design optimized
treatment strategies
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#vision2016
Integration capabilities
Access to other bureau data
Ability to incorporate custom models and attributes
Flexible decisioning with measurable results
Decisioning as a ServiceSM
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Experian Public.
#vision2016
Equipment Finance
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#vision2016
Previous platform was a blackbox
Workflow and data details difficult to extract
Elongated change process
Lack of analytics cause risk for bank
Client challenge
US Bank Equipment Finance
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Experian Public.
#vision2016
Core system replacement
► Consistent interface with in-house EFE system
► Report format mapping
Access to Dun & Bradstreet, PayNet, Equifax consumer credit data via Attribute Toolbox™
Access to Experian business and consumer credit data
Control and implementation of custom models and decisioning through the use of PowerCurve® Strategy Management
The solution
US Bank Equipment Finance
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#vision2016
Bureau data mapping to Cortera Level 1 report
Coded 14 different inquiry processes
Re-use data rules and table setup
Analytical Data Mart (ADM) and daily file creation
Shadow environment for validating new models and decisioning prior to production deployments
Strategy Design Studio
The execution
US Bank Equipment Finance
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#vision2016
Solution transparency
► Strategy Design Studio
► Solution partnership
Faster decisioning and risk model deployment
Analytics
Risk assessment PRE production
The results
US Bank Equipment Finance
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#vision2016
Indirect Dealer Services
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#vision2016
Custom model implementation for compliance
Decision flexibility in order to reduce manual reviews
Robust decisioning capabilities
Ability to reprocess a decision
Client challenge
US Bank Indirect Dealer Services
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#vision2016
The solution
US Bank Indirect Dealer Services
Integration with existing FiServ LOS5 system
Two-call process
► Credit data and custom model calculation
► Application decision only
Strategy Design Studio for ongoing decision updates
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#vision2016
Inquiry formatting for flexibility in bureau requested
Delivery of “other bureau” raw data interface
Interface mapping for decisioning component
Strategy design to align with current decision and score matrices
Daily detailed data files for validation, audit and analysis purposes
Strategy Design Studio
The execution
US Bank Indirect Dealer Services
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#vision2016
Custom model implementation for compliance
Decision flexibility in order to reduce manual reviews
Robust decisioning capabilities
Ability to reprocess a decision
The results
US Bank Indirect Dealer Services
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Experian Public.
For additional information,
please contact:
@ExperianVision | #vision2016
Follow us on Twitter:
#vision2016 [email protected]
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