Delivering dynamic consumer marketing data for your campaigns
Providing expert insight and innovation to the automotive market
Comprehensive and versatile confirmation of identity and bank account details
One powerful solution providing a single customer view. Cloud technology enables business process improvement, cross-functional collaboration and a better customer experience.
Provides a holistic view of your business customers
Superior consumer intelligence for your competitive advantage
Our commercial packages offer an unrivalled set of data assets that enable you to screen and monitor customers, safeguarding your business against hidden risk and fraud
Business intelligence to support commercial decisions
Market-leading device recognition and reputation solution
On-board new customers quickly and securely using real-time online ID verification.
A configurable and flexible rules-based fraud prevention solution based on National SIRA, the UK’s most comprehensive national fraud consortium database
Equifax Household Composition combines our extensive data assets to create a view of residents at a property, including children. It can provide accurate and actionable insights on which to build a successful marketing strategy.
The market leader in ID verification and authentication
The best starting point for an accurate affordability assessment is an accurate view of income.
Superior consumer intelligence for your competitive advantage
Centralises and automates your business processes
Equifax Market View is a powerful intelligence tool that delivers insights through anonymous, monthly snap shots of credit data, specifically chosen for trending market analysis, benchmarking and research purposes.
A suite of leading ID and fraud products
Equifax Progressive Authentication allows you to do more business with genuine customers and screen out fraudsters
Equifax Property Insights can help you "know" your customers by understanding how they live. It can assist in credit risk and affordability assessments, lead to improved decision-making and help you to lend more responsibly.
Providing unique insight into a customer’s default payment behaviour
Providing insight and solutions into the Utilities market
Equifax Watchlist Check offers worldwide Sanctions, PEPs and additional alert data screening to help mitigate financial and reputational risk.
Attribute Navigator supports the development of customised attributes for more precise decisions to help drive customer acquisition.
Model Integration Tool improves speed-to-market by allowing the rapid integration, audit and creation of customised models and scorecards.
Rules Editor empowers the easy creation, editing, testing and deployment of rules policies.
Providing a quick and flexible way to trace debtors
Carry out individual searches quickly and conveniently online. View the sample report here.
Expert insight and solutions for the Utilities market
Optimise collections and credit management processes with cloud-based workflow automation
Connecting your business lines to help improve your bottom line
ID authentication of prospective customers via a single interface
Consistent, immediate and cost-effective decisions about your customers
How can organisations prove their customers are who they say they are?
Providing refined customer screening against global watchlist data
Access to finance for SMEs remains an issue
Consumer attitude to the risk of fraud
Consumers experiences of, and attitudes, towards insurance fraud
Digitisation, Open Banking and more. The banking landscape is changing.
Peer-to-peer lending has come a long way since its inception 10 years ago, but does the recent appearance of institutional lending in the UK threaten to end true peer-to-peer before it has reached its true potential? In this article, Karl-Magnus Wadsack Principal Consultant at Equifax takes a look at the Peer-to-Peer industry.
A whitepaper produced following YouGov consumer research and the highlights of an Equifax hosted roundtable debate with fraud and risk specialists from some of the UK's leading companies, and crime prevention and legal specialists.
“I’m very pleased with the outcome of the work we did with Equifax, as they not only provided industry leading insights, but delivered them in such a collaborative fashion that my team returned highly motivated.”
“Equifax provide us with the most factual and informative results to make the best business decisions.”
"The tool is fast and simple to use, helping us to improve the customer experience and achieve better conversion rates and operational efficiencies."
“I’d recommend the Equifax Financial Stability Suite to any lender conducting affordability analysis.”
Gettacar.co.uk asked Equifax to create a bespoke scoring system that would enable them to provide a 'decision in principle' straight away.
“Equifax has helped us ensure we only do business with credible organisations”
"The benchmarking exercise helped us understand how our commercial loans were performing"
“We really appreciate how Equifax Identity Verifier offers our customers a better experience whilst reducing the risk of fraud.”
"Equifax AML ensures we're confident that we meet any regulatory requirements expected of us."
Paul Birks, Decision Solutions Director, explains why organisations need to have a complete view of their customers’ affordability, needs and wants if they’re to build stronger and more profitable relationships with them.
Peter Harrison, Product Leader in Identity and Fraud at Equifax, talked to Perspective about the ups and downs of using social media data when it comes to identity verification.
With the increased regulation and a focus on affordability and responsible lending, the automotive sector is likely to come under increased scrutiny.
Our colleagues at IXI Services in the United States take a closer look at Millennials, how they are different from other generations and how best to market to them.
Peter Harrison, Equifax Product Leader, Identity and Fraud, tells Perspective about the brave new world of biometric technology when it comes to identity authentication.
The key focus for any business is to execute services in a way that delivers value for their customers. For financial service transactions, this must be done within a tightly controlled, regulatory environment which ensures protection for users. Organisations also have a responsibility for the prevention of financial crimes.
Craig Tebbutt, Head of Alternative Lending at Equifax, explores how data science has evolved over the past three decades and where it could be headed next.
Whilst some sectors are enjoying higher customer satisfaction levels, others are struggling to do so. How significant is the impact of customer satisfaction on a business, and how can these ratings be boosted?
Anna Perkins, Marketing Communications Leader at Equifax, explains why you’ve got to know your customers as well as you know your brand.
In October 2015, we surveyed 200 consumers asking them about key drivers for choosing suppliers, staying or leaving them, and around requesting payment holiday.
The latest Fraudscape report from Cifas was published in March. Looking at UK fraud trends it describes recorded fraud as being up by a quarter and increasingly organised. It also shows a continued threat of identity theft as young adults are increasingly targeted.
We wanted to understand the real attitudes of consumers towards fraud, the use of new technology for ID authentication, social media and information-sharing in relation to fraud risk. In February 2017, we commissioned YouGov to conduct an online survey around these themes and the survey was completed by more than 2,000 consumers.
John Marsden, Identity and Fraud Consultant at Equifax, explores the balancing act between compliance and customer experience in a digital world.
Can a small business be ‘vulnerable’? Matt Vaughan Wilson from the Money Advice Trust, the charity that runs National Debtline, explores this intriguing question.
Roger Vincent, Strategic Consultant at Equifax, looks at the quotation search in more detail to give you an understanding of its origins and how it can be used as a powerful tool in responsible lending practices.
Equifax held its second Retail Regulatory Forum in Manchester this April. Attended by a range of finance companies serving the retail market, it was an opportunity to hear from subject matter experts on some of the key regulatory themes currently facing the sector. It also gave delegates a chance to share insights and debate some of their common challenges.
FCA authorisation, a renewed focus on affordability and the prospect of interest rate rises means lenders are reviewing their policies, procedures and risks. Consumer credit industry journalist Heather Greig-Smith talks to the Finance & Leasing Association and British Bankers Association for their perspective on the changing regulatory focus.
In February 2016, we surveyed 200 consumers asking them questions around fraud and online safety. Here are the results.
Energy suppliers are under pressure to improve the ease and speed with which customers can switch from one to another. Rebecca Hammond, Head of Utilities at Equifax, talks to Perspective about how Equifax can help them maximise opportunities and minimise risk.
Why screening against Sanctions, Politically Exposed Persons, and Relative and Close Associates databases has never been more crucial – or more straightforward – for financial services firms.
Richard Haymes is Head of Financial Difficulties at TDX Group. Here he discusses the difficulties facing vulnerable consumers – and the challenges they can pose to businesses.
Keith Manthey, CTO Analytics, Emerging Technologies Division at EMC², talks to Perspective about the risks presented by synthetic identity creation and how businesses can best protect themselves from cyber fraud.
Consider a scenario whereby only negative data is shared with Credit Reference Agencies (CRAs) but lenders still have to meet responsible lending requirements. This is the reality for lenders in Spain. Here, Jorge Hernandez, Head of Partnerships, Equifax Europe, takes us through one of the projects they’re undertaking to help deliver a full picture of a consumer’s financial status to their clients.
We outline the challenges of accurately assessing affordability when trying to achieve the goal of responsible lending
John Marsden, fraud and identity expert at Equifax, examines how 'nudge' theory can be applied to the insurance industry to tackle point of quote and claims fraud.
Paul Heywood, Senior Consultant and Ryan Peacey, Head of Financial Services, discuss the rise in mortgage fraud rates and how Equifax is working with lenders to help them comply with increasingly stringent regulations across the industry.
Yes, you could be a victim, but could you also unwittingly become a culprit? Peter Harrison, Product Leader – ID and Fraud at Equifax, discusses the human side of fraud from every angle.
When Bennett Arron discovered he was a victim of identity fraud 17 years ago, little did he know the effects – both negative and positive – that the crime was to have on his life.
Know Your Customer (KYC): the objective of KYC is to enable businesses to know and understand their customers better in order to improve the services and experience they offer
We explore how the financial landscape is changing when it comes to SME lending.
The Financial Conduct Authority requires that lenders capture sufficient information in order to make an assessment of creditworthiness and affordability.
What the latest Money Laundering Directive could mean for your business.
Steven Hicklin, Head of Innovation and Research at Equifax, explains why ‘foolproof’ systems can prove both costly and inaccurate when it comes to fraud detection.
David Higginson, ID & Fraud Consultant at Equifax, outlines the risks that regulated firms face around securing sensitive customer data and what they should do to protect themselves.
Communication specialists from Media First explain what we can learn from journalists when it comes to the power of storytelling in business.
Perspective talks to Rhydian Lewis, CEO and co-founder of RateSetter, about what lies ahead for the peer-to-peer lending industry.
The rise of peer-to-peer (P2P) lending has been remarkable over the last few years - with the value of new loans underwritten in the UK doubling year-on-year. Consequently, we're now in a pivotal period for the success and reputation of P2P lending, both globally and in the UK, as it finally seeks to enter the mainstream.
Peer-to-peer lending has come a long way since its inception 10 years ago, but does the recent appearance of institutional lending in the UK threaten to end true peer-to-peer before it has reached its true potential?
Trevor Parker, Chief Compliance Officer at Equifax, discusses why we need responsible lending regulation – not just for borrowers, but for lenders too.
Keith McGill, Account Director at Equifax, explores the challenges facing telecommunications as fraudsters adapt to changing technology.
Richard Litchfield, Head of Consumer Credit Underwriting at Lending Works, discusses how peer-to-peer lending platforms are improving standards when it comes to fraud prevention.
Following the Mortgage Market Review (MMR) and the introduction of the Consumer Credit Sourcebook (CONC) in 2014, many companies have been seeking new ways to fully assess a customer’s ability to make repayments on their credit commitments and to achieve truly responsible lending.
Over the last 15 years, Equifax partner Synectics Solutions have become one of the major players when it comes to delivering financial crime detection and prevention solutions across a range of business sectors.
We invited Roy Armitage, Head of Risk at Kensington Mortgages, to reflect on mortgage lending in the post-MMR environment.
How do consumers' fraud fears align to their apprehensions when applying for new products and services, and what can companies do to protect their customers – and themselves – from fraud?
Paul Birks, Director of Decision Solutions at Equifax, shares his response to our research on the use of social media data by businesses online. Should banks and lenders be privy to this data and, if so, how should they use it?
We’re doing all we can to help retailer credit providers have a voice in regulation – something we’re really passionate about. Perspective talks to Mark Fairbairn, Head of Retail at Equifax about our Retail Regulatory Forum.
Laura Hales, Product Manager at Equifax, explains how the credit landscape has evolved over the past eight years for lenders and borrowers alike.
Viktoria Strandlund, Cross-Sector Marketing Manager at Equifax, talks to Perspective about how important it is for organisations to treat vulnerable customers with care – not only from a moral point of view, but also to succeed commercially.
Neil Compton talks about our collaborative relationship with our Telecoms sector and how, recently, we were able to provide some expert insight into the regulated environment.
What are consumers’ attitudes towards the risk of fraud and what personal information are they happy to share and with whom? In November 2015, we commissioned YouGov to conduct a survey around these themes.
Paul Birks, Director of Decision Solutions at Equifax, explains why data alone is not enough to help lenders make responsible decisions.
We invited Richard Hurley, Communications Manager at CIFAS, to share his thoughts with Equifax on the changing face of fraud.
An industry commentator talks to Perspective about how the short-term credit market is transforming before our very eyes.
With the new Financial Conduct Authority (FCA) rules impacting high-cost short-term credit, will this see the end of Payday loans?
Andy Marson, Products Leader, Equifax Touchstone, talks about the benefits of market segmentation to both organisations and their customers.
Trevor Parker, Chief Compliance Officer at Equifax, discusses the changes that will result from the new General Data Protection Regulation and what they may mean for both businesses and consumers.
What can data science achieve, and how can it help your business? Anita Dougall, CEO & Founding Partner, Sagacity, explains.
With the threat of organised mortgage fraud remaining, David Higginson, Identity and Fraud Consultant at Equifax outlines counter-fraud strategies lenders can employ.
Perspective invites John Marsden, Identity & Fraud expert at Equifax, to share his views on the real cost of fraud to consumers, and to organisations like yours.
Gary Humphrey, Product Manager – ID and Fraud at Equifax, talks about the future of identity verification and why it might be time for your business to embrace the potential of biometrics.
As lenders draw breath after submitting their applications for full FCA authorisation, another wave of regulation looms on the horizon: data protection. Mark Fairbairn, Head of Retail at Equifax, explains what these new regulations could mean for digital commerce.
What are consumers’ attitudes towards the use of their personal credit data, spending in uncertain times and finding the best deal for financial products? To find out, we commissioned YouGov to conduct a survey around these themes.
Earlier this year we conducted a YouGov survey to find out more about consumers’attitudes towards the risk of fraud, and what they deem appropriate when conducting financial transactions online.
What type of borrowing do they feel most comfortable with and what type of expenditure would they be willing to get into debt for? To find out, we commissioned YouGov to conduct an online survey around consumers’ views and attitudes to borrowing. The survey, completed by 2,130 consumers, produced some interesting insights and results.
John Marsden, Head of Decision Strategy ID and Fraud Europe at Equifax, explains precisely what is meant by the term ‘financial crime’ and how businesses can best protect themselves against it.
Mark Fairbairn, Head of Retail, and Stewart Martin, Consultant at Equifax, discuss the rewards retailers may reap by personalising their customer management and marketing.
John Marsden, Identity and Fraud Consultant, talks about how technological advances are helping reduce fraud, but that there’s still a fine balancing act between process, cost and customer experience.
Mark Sanders, TDX Group, explains why, when it comes to collections and recoveries, organisations generally concentrate their efforts on consumers who pay. However, there also needs to be a greater understanding of, and effort to reach out to, those who don’t.