We all have access to ever increasing amounts of data, but it can only help you meet your business objectives if you can turn it into meaningful insight. Our analytics experts can help you to extract, interpret, segment, benchmark and model your data to create scorecards, propensity models, customer profiles and much more. Helping you to improve the performance of both your marketing and credit risk strategies by making more informed decisions for your customers and your business.
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Understand latest trends in the consumer credit market and benchmark your portfolio to help improve overall performance.
Increased competition coupled with economic and market changes make it difficult to understand whether the shifts you are seeing in your credit portfolios are a result of external factors or the impact of past strategies.
Identifying future changes to improve performance is crucial to developing sound and relevant strategies to support sustainable growth. Market and portfolio insight, gives you the context and quantitative analysis to support decisions about changes in strategy and operational planning.
Experian SA in partnership with Econometrix, a leading South African economics research unit, publishes the Experian Business Debt Risk Overview report on a quarterly basis.
The report consists of three main sections: the Experian Business Debt Index (BDI), a macro-economic overview and a sectoral debt analysis.
The report provides a concise international and domestic macro-economic overview, highlighting selected indicators and a forecast of key variables of the South African economy and its nine major sectors (namely agriculture, mining, manufacturing, electricity, construction, trade, transport, finance and services). A more detailed analysis of the debt situation in each sector (regarding debtors’ days, the age categories of debt, judgments and liquidations) are included in the report.
The Experian BDI is an indication of how the players in the business community in South Africa are settling their credit arrangements with suppliers – it reflects the overall position of debt settlement between businesses in the economy.
The report provides clients with meaningful insight to the South African economic climate supporting them in the development of their organisation strategy.
Experian SA and Econometrix launched South Africa’s first ever Business Debt Index (BDI) in February 2014. The Experian BDI is a vital and unprecedented benchmark for the interpretation of the state of business’s debt-paying abilities. It is an indicator of the overall health of businesses, as well as the South African economy.
It measures the relative ability for businesses to pay outstanding creditors on time and tracks macro-economic indicators that can impact on the ability of companies to pay their creditors. Several debtors and macro-economic variables are combined into a single indicator of business debt stress.
The Experian BDI will be published on a quarterly basis.
The Experian Consumer Default Index (CDI) is designed to measure rolling default behaviour of South African consumers with Home Loan, Vehicle Loan, Personal Loan and Credit Card accounts.
On a monthly basis, lenders typically classify their consumer accounts into one of several predetermined payment categories to reflect the level of arrears. When a lender deems the statement balance of a consumer account to be uncollectible due to being in arrears 90 or more days or statuses such as repossession, foreclosure, charge-off or write-off, the consumer account is said to be in default.
The index tracks the marginal default rate as it measures the sum of first-time (accounts that have never) defaulted balances as a percentage of the total sum of balances outstanding.
Published on a monthly basis with a 2-month lag, the CDI’s indices include a balance-weighted composite index as well as the 4 product specific sub-indices.
Each of the indices are also determined at Mosaic type level to provide further insight into the dynamics faced by specific consumer segments that are experiencing different stress due to macro forces such as unemployment, interest rate changes and economic growth.