Really getting to know your customers. It’s the first step towards understanding their individual needs, behaviour and financial wellbeing.

We’ll help you get to know your customers, so you can give them exactly the help they need. With Experian’s credit risk data and models, you’ll know which products are right for them.

We use complex analytics to create intelligent data models and predictive scorecards. It enables us to match affordability, personal, credit, transaction and property data. Plus, our vast data sources are constantly evolving, because we’re always looking for innovative ways to give you better understanding of credit risk.

Experian Credit 3D

Experian’s Credit 3D is a suite of consumer risk scores and models that enable you to understand an individual throughout their relationship with you.  From the moment they apply for your products and services, to understanding any changes to their circumstances such as buying a new house or starting a family, we can give you the insight that you need to enable you to make decisions that look after their best interests in the moments that matter.  To offer them the right products at the right time to allow you to grow your business.

Affordability

We’ll help you guide people to the right product for them based on a deeper understanding of their financial position.

Delphi for Customer Management

Need to stay ahead by offering your existing customers the most appropriate products and services for their individual needs? Our scorecard can help.

Delphi for New Business

Our scorecard is designed specifically to support confident and responsible decision making in the application process.

Experian Business Debt Index

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. A number of 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.

Experian Debt Risk Report

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 (with regard to 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 is a reflection of 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.

Want to know more about how we can help your business thrive?

Contact us