Shows
TransUnion: Extra CreditEpisode 40: Resilient but Uneven: How Consumers Are Weathering Credit PressuresPete Turek — a TransUnion® SVP responsible for overseeing relationships with more than 120 of the nation’s leading financial institutions — join Josh and Craig this month to unpack insights from the latest Consumer Industry Insights Report.
The discussion highlights a “K-shaped” dynamic in lending, with strong growth at both ends of the credit spectrum, record personal loan originations and Gen Z’s rising influence. The conversation also covers tighter credit lines, longer auto loan terms, delinquency trends across products and the impact of the recent government shutdown.
Looking ahead, the group examines how tax season, student loan offsets...
2025-12-0422 min
The BeatTrust and Data: How Ryan Weber of TransUnion Is Redefining Patient Access and Equity in HealthcareAbout Ryan Weber:Ryan Weber is a solutions consultant for TruLookup at TransUnion, where he helps healthcare organizations harness the power of data intelligence to enhance patient access, engagement, and trust. With over eight years of experience at TransUnion’s Specialized Risk Group, Ryan collaborates with clients to integrate non-credit data assets, AI-driven analytics, and automated solutions that streamline the patient journey and enhance financial performance. His expertise lies in connecting complex data systems to real-world healthcare challenges, ensuring that providers can efficiently reach patients, reduce administrative friction, and support equitable care for underserved populations.Be...
2025-11-2509 minThe BeatTrust and Data: How Ryan Weber of TransUnion Is Redefining Patient Access and Equity in HealthcareAbout Ryan Weber:Ryan Weber is a solutions consultant for TruLookup at TransUnion, where he helps healthcare organizations harness the power of data intelligence to enhance patient access, engagement, and trust. With over eight years of experience at TransUnion’s Specialized Risk Group, Ryan collaborates with clients to integrate non-credit data assets, AI-driven analytics, and automated solutions that streamline the patient journey and enhance financial performance. His expertise lies in connecting complex data systems to real-world healthcare challenges, ensuring that providers can efficiently reach patients, reduce administrative friction, and support equitable care for underserved populations.Be...
2025-11-2509 minTransUnion: Extra CreditEpisode 38: How Financial Institutions Win With Data-Driven MarketingIn this episode of Extra Credit, Harmon Lyons, VP of Strategy and Market Development for TransUnion’s financial services marketing solutions, joins Craig and Josh for a deep dive into the evolving role of data in financial services marketing.
Harmon shares insights from nearly 30 years in the industry, highlighting how all FS marketers — from regional credit unions to national banks — can overcome fragmentation, connect with customers across channels and prove ROI.
The conversation covers best practices for identity resolution, the importance of brand building — even on modest budgets — and how to balance acquisition and retention strategies...
2025-10-0133 minTransUnion: Extra CreditEpisode 37: Growth and Change on the Credit Risk SpectrumThe latest installment of Extra Credit has Dawn Figlioli, VP of Sales, Financial Services at TransUnion, stepping into the host seat, guiding a conversation with Craig and Josh on the latest credit market insights.
The trio explores the current lending environment, marked by both stability and caution, and dives into the surprising growth at both ends of the credit spectrum. They discuss rising delinquencies in auto and mortgage, the evolving role of FinTechs in super prime lending, and how refined risk strategies are reshaping subprime performance.
The episode also touches on the regulatory landscape and...
2025-09-1017 min
Receivables Podcast | Discussions About Debt CollectionParticipate in the 2025 TransUnion Debt Collection Industry Report | Ep. 236What’s really driving the shift in debt recovery strategy for 2025? In this episode, Adam Parks sits down with Manny Plasencia from TransUnion to talk about the results from 2024, encourage people to participate in the 2025 TransUnion Industry survey, and why it’s a game-changer for the collections space. They talk about the surge in AI use, smarter compliance strategies, and how consumer financial behavior is forcing agencies to adapt fast. Whether you're a debt buyer, creditor, or agency executive, this one gives you the data edge.Tune in now and learn how to shape your 2025 strategy....
2025-07-2913 minReceivables Podcast | Discussions About Debt CollectionParticipate in the 2025 TransUnion Debt Collection Industry Report | Ep. 236What’s really driving the shift in debt recovery strategy for 2025? In this episode, Adam Parks sits down with Manny Plasencia from TransUnion to talk about the results from 2024, encourage people to participate in the 2025 TransUnion Industry survey, and why it’s a game-changer for the collections space. They talk about the surge in AI use, smarter compliance strategies, and how consumer financial behavior is forcing agencies to adapt fast. Whether you're a debt buyer, creditor, or agency executive, this one gives you the data edge.Tune in now and learn how to shape your 2025 strategy....
2025-07-2913 minTransUnion: Extra CreditEpisode 36: Risk, Resilience and the Future of LendingDJ Cox joins this month, flipping the script on Craig and Josh with the most-asked questions he’s hearing within the credit and lending space.
As they reflect on 2025 so far, Josh highlights signs of recovery in card originations and improving delinquency trends. And Craig adds a macro perspective, describing consumers as “cautiously stable” amid mixed economic signals.
Looking ahead, the conversation turns to key risks and opportunities — from tariff uncertainty and returning student loan payments to lenders shifting toward more selective growth strategies. They also examine trends in credit lines and balances, pointing to stable u...
2025-06-1724 minTransUnion: Extra CreditEpisode 35: The Economic Crossroads of Tariffs, Global Trade and Labor Market TrendsIn this special episode, recorded live from TransUnion's annual Financial Services Summit in Chicago, hosts Craig and Josh are joined by Paul Gruenwald, Chief Global Economist at S&P Global Ratings.
The conversation kicks off with an in-depth exploration of the economic impacts of tariffs, financial implications of tightening federal spending, and why tracking the labor market is key to predicting a recession. Paul then shares his take on the future of the US labor market, including the potential for increased domestic manufacturing, and discusses implications of AI.
Shifting gears to global trade, they consider...
2025-05-2731 min
Google Trends Daily Tracker - U.S.Soaring Demand for TransUnion's Credit Expertise Amid Digital Finance RevolutionTransUnion, the global information and insights company, has recently experienced significant shifts in interest, according to data from Google Trends. This change reflects broader trends in consumer behavior and the financial technology landscape.Interest in TransUnion has surged, primarily due to its strategic adaptations to an ever-evolving market. Consumers are increasingly prioritizing financial literacy and credit health, thrusting credit reporting agencies like TransUnion into the spotlight. This trend correlates with growing public interest in managing personal finances, as reflected by the peak in search queries related to credit reporting, credit scores, and identity protection.A key...
2025-05-1404 min
Technovation with Peter High (CIO, CTO, CDO, CXO Interviews)Inside TransUnion’s OneTru: Building a Platform for the AI EraIn this episode of Technovation, Peter High speaks with Venkat Achanta, Executive Vice President and Chief Technology, Data & Analytics Officer at TransUnion, a $4.5B global information and insights company. Since joining after TransUnion’s acquisition of Neustar, Venkat has led a sweeping modernization of the company’s tech stack—culminating in the creation of OneTru, a platform powering data governance, analytics, and AI innovation at scale.
Venkat shares how his 7,000-person global team built a single pane of glass to manage petabytes of sensitive data across 30+ countries and hundreds of products. He als...
2025-05-0125 minTransUnion: Extra CreditEpisode 34: A Cautiously Optimistic Consumer Credit MarketTransUnion Sales VP Brad Deja is in the studio this month to talk shop!
Josh starts by highlighting signs of a stabilizing market, including a slower decline in loan originations and the return of prime and below prime card issuance to pre-pandemic levels.
Brad inquires about market expectations for Q1, noting a number of consumers are still struggling with inflation. Craig explains why he believes consumer credit health is evening out despite these challenges.
When asked about the continued decline in originations, Josh attributes this to issuers’ caution — while also pointing out positive dema...
2025-02-2126 minTransUnion: Extra CreditEpisode 33: 2024 in Review: From Past Predictions to Future InsightsJason Laky, Executive Vice President of Financial Services at TransUnion, returns for the first time since June 2022! Things kick off with a review of past predictions, including a recession forecast and an assessment of the current consumer credit market. Jason is optimistic about stable interest rates and potential regulatory improvements benefiting financial services.
Josh and Jason discuss 2024 lender impacts across mortgage, auto, credit card and FinTech sectors, with a look at the state of consumer financial health. Jason considers whether consumers will adapt to current interest rates to enter the housing market.
Craig and Jason...
2024-12-1940 minTransUnion: Extra CreditEpisode 32: Risky Business: Tackling Fraud Threats in a Shifting Card MarketTransUnion Sales VP Danielle Parry-Hill joins the podcast this month to discuss the state of the card market and growing concerns around fraud.
Danielle and Josh kick things off by noting while originations are down, charge-offs, delinquencies and card utilization are rising. Danielle raises a key question from CFIs: Have delinquencies peaked? Craig advises issuers to adjust their risk strategies accordingly.
Danielle points out CFIs are now facing significant fraud challenges, including bots testing identities. Josh highlights the surge in early default losses on credit cards and growing difficulty in managing fraud due to synthetic...
2024-11-2226 min
TransUnion Business Insights2024 Research & Consultancy Wrap-Up: Hear From Our Industry ExpertsIn this episode, James O’Donnell, Director of Research at TransUnion UK, and Aukse Pringle, Senior Consultant in the Data and Analytics team, delve into the key learnings from their research over the past year and look ahead to future trends. They discuss emerging trends such as vulnerability, regulatory pressures, and the impact of “buy now, pay later” (BNPL) on consumers. They also highlight significant findings on gender and financial behaviour, noting that 75% of disposable income is now controlled by women, which has implications for product creation and marketing strategies.
Additionally, they analyse UK consumer savings rates, which...
2024-11-1536 minTransUnion Business InsightsCX Success: Strategies for Trusted Customer EngagementIn this episode, Caroline Fowler, Director of Product and Presales at TransUnion UK, engages in a deep-dive discussion with Matt Richardson, Senior Fraud Specialist at TransUnion UK, and Thomas Purton, Senior Product Manager at Bud. Together, they explore how exceptional customer experience (CX) strategies can help brands cultivate trusted, longer lasting and more profitable customer relationships.
The panel delves into what consumers truly value and how these insights can be harnessed to create better experiences across the entire customer lifecycle, from originations through to onboarding, retention and engagement.
Join us as we discuss the CX...
2024-10-1434 minTransUnion: Extra CreditEpisode 31: Modernizing Touchpoints Across the Card Consumer LifecycleWith Steve Manion joining the podcast this month, the conversation kicks off with a year-over-year review of consumer card usage. Josh examines shifts in bankcard balance and origination growth; Craig reveals which consumers are taking on far less new debt; and Steve wants to know how current charge-off balances compare to pre-COVID levels.
Steve and Craig then discuss how lenders are leveraging technology to enhance marketing and speed to market. Josh emphasizes the need for lenders to diversify their consumer engagement tactics, ensuring relevant offers at every touchpoint and channel, and delivering personalized experiences efficiently.
...
2024-08-2239 minTransUnion Business InsightsA New Dimension of Data: How Geodemographic Data Can Enhance Marketing OutputsIn this episode, Josh Gunnell, Director E-commerce and Partnerships, sits down with Ayelet Palmore, Director of Product Marketing for Marketing Solutions business at TransUnion in the US, to discuss how cutting-edge insights can inform marketing data strategies and influence campaigns.
With a wealth of adtech experience acqired from client-side and agency roles and a deep knowledge of the marketing ecosystem, Ayelet is currently responsible for bringing TransUnion's marketing products to market in the US and is well placed to offer an experts perspective on how data can be best leveraged as part of a marketing strategy.
2024-08-1623 min
Receivables Podcast | Discussions About Debt CollectionTransUnion | Dan Simmons on the State of the Receivables Economy 2024 | Ep 184Tune in for a chat with Dan Simmons, Sr. Director of Consulting - Financial Services at TransUnion. Dan covers recent origination and delinquency trends in Unsecured Personal Loans, Bankcards, Auto Financing, and Mortgages— and the effects those trends have had on lenders and borrowers. 👉 *If you haven’t already taken the TransUnion 2024 Debt Collection & Insights Survey, we encourage you to spend a few minutes to do so here before August 20, 2024: https://receivablesdata.questionpro.com/a/TakeSurvey?tt=2RmawzqDAi8ECHrPeIW9eQ%3D%3D Learn more with this Receivables Roundtable, hosted by Adam Parks! Dan Simmons...
2024-08-0818 minReceivables Podcast | Discussions About Debt CollectionTransUnion | Dan Simmons on the State of the Receivables Economy 2024 | Ep 184Tune in for a chat with Dan Simmons, Sr. Director of Consulting - Financial Services at TransUnion. Dan covers recent origination and delinquency trends in Unsecured Personal Loans, Bankcards, Auto Financing, and Mortgages— and the effects those trends have had on lenders and borrowers. 👉 *If you haven’t already taken the TransUnion 2024 Debt Collection & Insights Survey, we encourage you to spend a few minutes to do so here before August 20, 2024: https://receivablesdata.questionpro.com/a/TakeSurvey?tt=2RmawzqDAi8ECHrPeIW9eQ%3D%3D Learn more with this Receivables Roundtable, hosted by Adam Parks! Dan Simmons...
2024-08-0818 min
TransUnion FraudcastEpisode 11: Bot AttacksIn this episode of the TransUnion Fraudcast, Amanda Mickleburgh, director of Merchant Fraud Product at ACI Worldwide, joins us to discuss how organizations can mitigate bot attacks without needing to shut down systems and hurt legitimate consumers.
2024-07-1715 minTransUnion FraudcastEpisode 10: Implementing Functional Fraud SystemsIn this episode of the TransUnion Fraudcast, Ricardo Font, Director of Product Management for Fiserv, joins us to talk about mitigating bot fraud, navigating the internal friction vs. CX conversation, and what to bear in mind when moving fraud systems to the cloud.
2024-07-1718 minTransUnion FraudcastEpisode 9: Combating Synthetic FraudIn this episode of the TransUnion Fraudcast, fraud analytics expert Colin Dew-Becker joins us to discuss the data organizations can use to combat the increasing threat of synthetic fraud and why synthetics are not merely a financial industry problem.
2024-07-1733 minTransUnion FraudcastEpisode 8: Custom Fraud ModelingIn this episode of the TransUnion Fraudcast, we go deep with fraud analytics expert Andrew Chan to explore how building effective custom models not only mitigates potential fraud but also identifies more legitimate customers and transactions — letting them through with less friction.
2024-07-1723 minTransUnion FraudcastEpisode 7: Data and Identity ResolutionIn this episode of the TransUnion Fraudcast, identity data expert Sean Naismith joins Jason to discuss the difference between “more” data and “meaningful” data, and what organizations can do to make the best use of the data they have.
2024-07-1719 minTransUnion FraudcastEpisode 6: Voice Biometrics and the Call CenterIn this episode of the TransUnion Fraudcast, call center expert Lance Hood joins Jason to discuss the benefits and vulnerabilities (including AI) of voice biometrics, and its optimal role within a multilayered authentication strategy.
2024-07-1718 minTransUnion FraudcastEpisode 5: SIM Swaps and OTPsIn this episode of the TransUnion Fraudcast, step-up authentication expert Don Smith joins Jason to discuss why SIM swaps continue to grow in frequency and damage, and whether that spells the end of the one-time passcode (OTP).
2024-07-1722 minTransUnion FraudcastEpisode 4: Call Center Fraud vs. CXIn this episode of the TransUnion Fraudcast, call center fraud expert Lance Hood joins Jason to discuss why the call center is increasingly the target for enterprising fraudsters, and what can be done to protect it without ballooning operational costs and frustrating legitimate callers.
2024-07-1721 minTransUnion FraudcastEpisode 3: Synthetic Fraud — The Ticking Timebomb in Credit PortfoliosIn this episode of the TransUnion Fraudcast, synthetic fraud expert Emily Sherman joins Jason to discuss synthetic fraud’s increasing exposure within financial portfolios and how to address the challenge of rooting out synthetic identities.
2024-07-1724 minTransUnion FraudcastEpisode 2: Deepfaking Document Verification with Erich LambertIn this episode of the TransUnion Fraudcast, document verification expert Erich Lambert joins Jason to discuss deepfake artificial intelligence (AI) and its implications for effective document verification.
2024-07-1718 minTransUnion Business InsightsCredit Week Recap and Data Solutions Fit for the Modern Economy DiscussionCaroline Fowler, Director of Product – Consumer Interactive, TransUnion, holds the mic for this episode and is joined by colleagues, Dennis Bishop and Glyn Cowlishaw. Dennis is an expert in credit data, whilst Glyn advises our customers on fraud and identity solutions.
The show starts with a discussion of Credit Week (Credit Strategy's new flagship event) which took place this June. Each contributor picks out their own highlight from the event and explains why this example resonated with them. The conversation moves on to the development of data solutions attuned to current consumer and business needs. Glyn talks ab...
2024-07-1238 minTransUnion FraudcastEpisode 1: Digital FraudIn this inaugural episode of the TransUnion Fraudcast, host Jason Lord talks with digital fraud expert Jim Hendrie about why digital fraud exploded since the beginning of the COVID-19 pandemic and what signals and technologies can be used to keep it in check — without degrading the customer experience.
2024-07-0923 min
How to Lend Money to StrangersA global study of credit self-monitoring, with Charlie Wise (TransUnion)In the last five years, one hundred million Americans have started to monitor their credit reports with TransUnion for the first time. One hundred million. And the same thing is happening all around the world. But just because everyone is doing it, doesn't mean they're doing it for the same reason: some consumers are in a bind and looking for a way back to good credit; some are planning a major loan and want to optimise their options; some want to make sure everything is untouched and as it should be. So, in...
2024-07-0435 min
Receivables Podcast | Discussions About Debt CollectionReceivablesData.com | TransUnion 2024 Debt Collection Survey Begins | Ep 179 *Special Release*Tune in for a chat with the newly formed team at ReceivablesData.com about the TransUnion 2024 Debt Collection Trends & Insights Survey. TransUnion has partnered with ReceivablesData.com to conduct the survey in 2024. Learn more with this week’s Receivables Roundtable featuring the ReceivablesData.com team, Mark Naiman, Bharath Ramachandra, and Adam Parks!ReceivablesData.com is accepting survey submissions from June 20th to August 20th with the final report expected to be published at the end of 2024. Participation in the survey is anonymous and results will only be presented in an aggregate analysis. Participate in the survey by vi...
2024-06-2616 minReceivables Podcast | Discussions About Debt CollectionReceivablesData.com | TransUnion 2024 Debt Collection Survey Begins | Ep 179 *Special Release*Tune in for a chat with the newly formed team at ReceivablesData.com about the TransUnion 2024 Debt Collection Trends & Insights Survey. TransUnion has partnered with ReceivablesData.com to conduct the survey in 2024. Learn more with this week’s Receivables Roundtable featuring the ReceivablesData.com team, Mark Naiman, Bharath Ramachandra, and Adam Parks!ReceivablesData.com is accepting survey submissions from June 20th to August 20th with the final report expected to be published at the end of 2024. Participation in the survey is anonymous and results will only be presented in an aggregate analysis. Participate in the survey by vi...
2024-06-2616 min
Receivables Podcast | Discussions About Debt CollectionTransUnion | Jeff Ragsdale talks about data analysis and its value in collections strategy | Ep 178Tune in for a chat with Jeff Ragsdale, Major Account Executive at TransUnion, about building valid data experiments. It’ll bring you back to the scientific method—from establishing what you’re testing for and gathering the data, to predicting the outcome and running the experiment, to communicating results and reviewing the data. New data and new risk abound in the industry, and properly leveraging data sets can lead to much more detailed conversations and better outcomes. Those who learn to make the most of it will remain a step ahead by knowing where to best spend their time and av...
2024-06-2022 minTransUnion Business InsightsUnderstanding and Countering Financial Crime feat. Tony Sales (We Fight Fraud)Our Omnichannel Fraud Report 2024 combines insights from TransUnion’s global device database (that uses intelligence from billions of transactions originating from over 40,000 websites and apps to protect digital transactions) with consumer research.
With contributions from fraud and identity experts, the report offers readers a unique and insightful perspective into the volumes of risky transactions occurring within different industries and the activities employed by fraudsters both in the UK and globally. Alongside this are observations and commentary on approaches and solutions that can counter these threats.
To pick over some of the key trends and themes id...
2024-06-1926 minTransUnion: Extra CreditEpisode 30: Bridging the Generational Gap in Community BankingPart Two: Live From TransUnion’s 2024 Financial Services Summit, Las Vegas
In part two of the 2024 FS Summit episode, TransUnion’s Sean Flynn sits down with Union Credit co-founder and CRO Barry Kirby to highlight some key challenges facing credit unions today.
Sean and Barry start by discussing the contradiction credit unions are running into as they balance growing their young member bases with needing more deposits due to liquidity constraints.
Barry shares the widening average age gap between credit union members (57) and US consumers (37), and describes why educating younger generations on the bene...
2024-06-1714 minTransUnion: Extra CreditEpisode 29: Credit Union Strategies for Consumers Facing Financial PressurePart One: Live From TransUnion’s 2024 Financial Services Summit, Las Vegas
In part one of the 2024 FS Summit episode, credit union VPs Heather Dufourny (Service Credit Union) and Heather Sullivan (Randolph-Brooks Federal Credit Union) sit down with Craig and Josh in Las Vegas to discuss the goings-on in the credit union industry.
Craig is curious to hear which products members are most interested in, and wonders how Dufourny’s and Sullivan’s credit unions are responding to the financial squeeze many members are experiencing.
Dufourny and Sullivan share how each of their organizations are ut...
2024-06-0614 minTransUnion Business InsightsEnhanced Consumer Insights: Introducing the Vulnerability Registration Service, Evolving Data Strategies and Credit WeekEver wondered what type of consumer data points could have a transformative impact on transactions between consumers and businesses?
In this episode Gareth Howell, Head of Data Solutions at TransUnion in the UK, talks with Helen Lord, CEO of the Vulnerability Registration Service (VRS) about the power of new types of consumer insights, the evolution of the data ecosystem and the regulatory drive to improve customer outcomes.
A non-profit organisation, VRS was established in 2016 and allows individuals with different vulnerability types (both financial and non-financial) to self-register issues such as financial vulnerability (for example an ‘un...
2024-05-2428 minTransUnion: Extra CreditEpisode 28: Trends in the Card Industry: From Generational Preferences to Responding to RiskGuest FJ Guarrera puts Craig and Josh in the hot seat this month with questions around recent consumer performance, trends and preferences in the card industry.
The conversation kicks off with a macroeconomic view of the market since last quarter — ranging from consumer sentiments to card balances and originations to the impact consumer stress levels are having on their financial health.
FJ asks how issuers should be responding to elevated risk in the marketplace, and Josh shares strategies lenders might consider to alleviate some of that pressure.
Craig shares an update on the pr...
2024-05-1330 minTransUnion: Extra CreditEpisode 27: The Evolving Role of Data in Financial Services MarketingMatt Spiegel and Patrick White join the podcast this month to discuss the ongoing transformation of marketing strategies and operations.
Josh kicks things off by remarking on the lack of financial advertising in this year’s Super Bowl; Matt discusses how financial services marketers should be connecting brand and performance data for more precise results; and Craig and Patrick discuss the opportunity costs of disconnected datasets, including deterministic versus probabilistic data matching.
Plus, Josh details some surprising marketing solicitations he’s received from his bank; Patrick describes three things lenders can focus on to ensure they...
2024-04-1033 minTransUnion: Extra CreditEpisode 26: The Implications of a ‘Higher for Longer’ MarketPaul Siegfried who leads the card and banking business at TransUnion returns to Extra Credit for the third time to discuss what’s ahead for card issuers and consumers in 2024.
Paul cautiously forecasts how rates, delinquencies and charge-offs might look by the end of the year; Craig asks what the market can expect to see in terms of unemployment and wage growth; and Josh wants to know how priorities and agendas are looking when broken out by segment.
Plus, Josh digs into whether fraud has really evolved (or does it just feel different in this ec...
2024-03-1234 min
How to Lend Money to StrangersRwanda on the rise, with Sam Tayengwa (TransUnion)Rwanda is rising as a regional financial centre, catching the East African fintech wave to drive economic and social transformation and to broaden financial inclusion. In today's episode, I'm speaking to TransUnion's CEO for Rwanda and Head of Africa Growth Regions, Sam Tayengwa to hear about the energy and progress that's bubbling to the surface there. We talk about mobile loans, of course, but also the emergence of old classics like mortgages and vehicle loans.TransUnion is, as Sam said, at https://www.transunion.com/ but also at https://www.transunion.co.za...
2024-03-0738 minTransUnion Business InsightsCyber Incident Response Landscape: Looking Back at 2023, Planning for 2024 and Exploring the Psychological Impact of RansomwareIn this episode, Mark Read, Head of Data Breach Solutions at TransUnion UK, talks to George Chaisty, a Partner at the international law firm Kennedys Law LLP, and Cameron Carr, Managing Partner for Mullen Coughlin, to get a better understanding of the current cyber threat landscape.
Off the back of a busy 2023 and with Mark attending February’s IAPP Data Protection Intensive 2024 event in London, the first part of this podcast reflects on the dominant and emerging methods being used by threat actors. Cameron, Mark and George use this scene setting as an entry point into the re...
2024-02-2135 minTransUnion: Extra CreditEpisode 25: How Will Recent Card Performance Impact Issuers in 2024?TransUnion financial services sales leader Stephanie Donaghy joins this month's podcast to ask Craig and Josh about recent trends in the card market — based on key questions she’s hearing from within the industry.
The conversation covers everything from consumer credit health and sentiment continuing into 2024; how consumer spending is impacting balances across risk sectors; and the relationship between utilization and stress.
Josh and Stephanie also discuss the right balance of anti-fraud measures within application experiences geared toward younger consumers. Craig speaks to private label card balances being at an all-time high, and Josh weighs in o...
2024-02-1531 minTransUnion Business InsightsMasterclass: Leveraging Credit Education to Strengthen Customer Loyalty, Trust and EngagementCurious about the potential of credit education and monitoring tools to deliver richer, mutually beneficial relationships for consumers and financial service providers? This timely episode (recorded at the FUTURE Summit 2023) can help you get a better understanding of how the credit monitoring tools and features, a familiar characteristic of modern digital financial platforms, can engage and educate customers to make better credit decisions and build loyalty and trust.
In this podcast you'll hear from James Robinson, Managing Director of Consumer Interactive at TransUnion UK and Alex Cook, Product Manager at NewDay.
James and Alex share...
2024-01-1621 minTransUnion: Extra CreditEpisode 24: The Events, Trends and Dynamics That Shaped Lending in 2023Craig kicks off the last Extra Credit episode of the year with a macro recap of 2023, ranging from the impact of increased interest rates on markets and consumers to economic and geopolitical disruptions to the growing presence of artificial intelligence.
Taking a more micro view of the market over these last 12 months, Josh highlights interesting patterns around originations, delinquencies and card balances; discusses lender investments into marketing and fraud programs; looks at capital markets and consumer affordability; and describes the impact and uncertainty stemming from increased regulations.
Finally, Craig and Josh look back at some...
2023-12-1926 min
The Credit AppWhy is Equifax so much lower than TransUnionTransUnion vs Equifax - The three major differences between TransUnion vs Equifax are as follows: Information or Data - Due to variations in how lenders report credit activity—such as credit card usage, auto loan payments, and student loan status—credit bureaus might not always have the same data. Due to the possibility of the information being submitted to several credit agencies, this may lead to differing ratings.Updating time - Since credit bureaus update their databases on a regular basis, credit ratings obtained in April from another may differ from those obtained in August. Every...
2023-12-1502 minTransUnion: Extra CreditEpisode 23: Navigating Risk in an Uncertain MarketSMBC ManuBank CRO Mike Leary joins the podcast this month to discuss the relationship between risk and financial institutions in today’s economic environment.
Mike and Craig discuss the lesser-known risks impacting portfolios today, including hidden buy now, pay later loans and credit score inflation.
Mike weighs in on positioning a card portfolio in uncertain times; explains why some banks are using credit cards as transactional products; and stresses the need for working tools to properly assess the stability of consumer credit scores.
Josh asks for Mike’s opinion on which market innovations hold...
2023-12-1338 minTransUnion Business InsightsKnowing Your Customer: What's Holding You Back From Greatness?Data advancements have the potential to improve how well you know your customer and drive outstanding customer experiences and personalised services. With regulatory evolution, including the new Consumer Duty, and intense market competition, the right approach could unlock growth and be a unique selling point.
In this session, recorded at the TransUnion Summit 2023, Sam Welch (Commercial Banking Director, TransUnion) asks industry leaders from different sectors: How big is the gap between potential and reality, and what more can be done to get to know customers better?
Sam poses a set of questions on key topics...
2023-12-1033 minTransUnion Business InsightsA Modern Identity Crisis: How The Digital Age Blurs The Lines Between Trust, Risk and AuthenticityWith bad actors using sophisticated technology and PII they’ve amassed online, establishing trust and detecting risk is increasingly challenging. This episode, clipped from our panel discussion, 'A Modern Identity Crisis: How The Digital Age Blurs The Lines Between Trust, Risk and Authenticity' (at the TransUnion FUTURE Summit 2023) takes a deep dive into the latest fraud trends.
The panel was chaired by Chad Reimers, GM: Fraud and Identity Solutions, TransUnion UK, and featured:
Harriet Sloan, Head of UK Fraud and Identity Consulting and Analytics, TransUnion
Glyn Cowlishaw, Head of UK Fraud and Identity Pre-Sales, TransUnion
Devon Sm...
2023-12-0424 min
The Daily ThreatT-Mobile Breach, TransUnion Denial, and 1Password’s Game-Changing Update!In this episode of The Daily Threat, we dive deep into the latest cybersecurity headlines that have the digital world buzzing. Learn about the T-Mobile account security breach, TransUnion’s response to hacking allegations, and the game-changing update from 1Password. Stay informed, stay safe!🔗 Links:T-Mobile Breach: https://www.theverge.com/2023/9/20/23881825/t-mobile-account-security-breach-customer-information-leakTransUnion Denial: https://www.bleepingcomputer.com/news/security/transunion-denies-it-was-hacked-links-leaked-data-to-3rd-party/1Password’s Mobile Passkey: https://www.theverge.com/2023/9/20/23880714/1password-mobile-passkey-support-web-browser-extension-release-date#Cybersecurity #DataBreach #1Password #TransUnion #TMobile #DigitalSecurity #PasswordlessAuthentication #TheDailyThreat
2023-09-2205 minTransUnion: Extra CreditEpisode 22: The Transitioning Landscape of Auto FinancingTransUnion SVP of Auto, Satyan Merchant, joins Craig and Josh this month to discuss emerging trends within the US auto financing market.
We begin with Satyan touching on today’s top auto industry headlines — from supply chain issues and high interest rates impacting consumer affordability to major shifts in market share.
Satyan describes how technology-forward dealerships and lenders are modernizing the industry by offering online-to-offline car shopping experiences, and shares how lenders should be thinking about the growing number of credit-active Gen Z consumers.
Josh and Craig ask for Satyan’s opinion on the fu...
2023-09-1835 minTransUnion: Extra CreditEpisode 21: The US Policies and Regulations Impacting the Financial Services Sector TodayTransUnion Head of US Government Relations, Allison Shuster, returns to Extra Credit this month to discuss the political and legislative activities currently impacting the US financial services industry.
Craig and Allison start by discussing the proposed Fair Credit Reporting Act (FCRA) rulemaking process expected to take place later in 2023, whether government partisanship is as challenging as it’s portrayed in the media, and how legislators are turning to the private sector to help inform policy decisions.
Next Josh and Allison talk about the major focus areas for regulators that might not be as headline-grabbing, including a...
2023-08-1831 min
No HypeGareth Davies – How to Build a Winning Identity StrategyJoin this exciting fireside chat with Gareth Davis, SVP of Marketing Solutions Products at TransUnion, at Brave New Worlds 2023. You will learn how you can enhance your understanding of customer identity and behavior, leading to more relevant customer experiences, sales, and lifetime value.
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2023-08-1631 minTransUnion Business InsightsResponding to a Data Breach: Managing the Clock and Your ReputationIn this episode, Mark Read, head of data breach solutions at TransUnion UK, talks to George Chaisty, a partner at the legal firm Kennedys Law LLP. George is part of Kennedys’ cyber and data risk team, and advises clients on a broad range of cyber incidents including ransomware and business email compromises.
Using our recently published e-book Data Breach for Businesses as a starting point, Mark quizzes George on the current cyber threats facing businesses and what processes and resources need to be considered when building a robust data breach plan. Additionally, George identifies some of the co...
2023-08-1034 min
Innovation and the Digital EnterpriseEnhancing the Developer Experience with TransUnion’s Deepika DuggiralaToday we're sharing another insightful presentation from our most recent Innovative Executives League Summit, where Deepika Duggirala, SVP of Global Technology Platforms at TransUnion, spoke about how focusing on your people and the developer experience leads to improved business performance.At TransUnion, Deepika leads the technology strategy and execution of cloud-based platform transformation. With over two decades of leadership experience, she has led teams that build high-performing software across a variety of companies, ranging from startups to large global enterprises. Prior to joining TransUnion, Deepika led product development as the CTO and VP of Engineering at Yello...
2023-07-1322 minTransUnion: Extra CreditEpisode 20: Advancing Financial Inclusion: A Story of Policy, Data and TechnologyJoining Craig and Josh this month is Melissa Koide, Founder and CEO of FinRegLab — a nonprofit organization that tests and researches technology to help inform public policy and advance financial inclusion.
Melissa touches on some of FinRegLab’s key initiatives, including the use of cashflow data to predict credit risk and assess populations with limited or no credit history; new research the organization is doing on machine learning algorithms being used in financial services; and a partnership with Kenya’s government, banks and bureaus to determine the optimal data insights needed for credit risk assessing women-owned small busine...
2023-06-2935 min
TransUnion Business InsightsHyperfocusing on Consumer Outcomes: The New Consumer Duty and Financial VulnerabilityOne of the most pressing economic challenges stemming from the cost of living crisis is the growing concern around consumers' financial vulnerability. It is a high priority and concern for senior leaders across financial services, insurance, gaming, e-commerce and government. The publication of the Credit Information Market Study Interim Report and Discussion Paper (Nov 2022) — covering non-financial vulnerability and the need to ensure good customer outcomes — and the FCA’s new Consumer Duty regulations, emphasises the need for organisations to invest in data solutions and data science talent, adhere to evolving compliance requirements, be committed to customer care and have a stra...
2023-06-2724 minTransUnion: Extra CreditEpisode 19: The Pressures and Opportunities Facing Credit UnionsIn this month’s episode, credit union leaders Kaylyn Leese and Michael Kelly join Craig and Josh onsite at TransUnion’s 2023 Financial Services Summit in Chicago.
Kaylyn and Michael begin by sharing what they’re excited about within the lending space followed by a discussion of the challenges credit unions are up against — including a competitive market and balancing new technology — as they pursue opportunities to support their members and communities.
Our guests then weigh in on the pressure credit unions are facing to deliver high-touch, digital experiences; Josh wonders how each of their credit unions is handlin...
2023-05-2431 minTransUnion Business InsightsBuilding Meaningful Lending Experiences: How to Think Like A Gen Z ConsumerAs Gen Z and young Millennials move out of higher education and into the workplace, they're actively seeking to solve their banking and lending needs. This is likely to involve transacting with different financial service providers and using a diverse range of financial products and payment methods. We've produced this episode to help you understand what younger consumers think of credit, how they talk about money and their attitude towards financial management. It touches on the accessibility and availability of credit information, and the impact socioeconomic factors, such as the cost of living crisis, is having on budgeting and...
2023-05-0443 minTransUnion: Extra CreditEpisode 18: The Financial Services Industry’s Evolving Relationship With TechnologyThis month on the podcast, TransUnion Chief Information and Technology Officer Abhi Dhar joins Craig and Josh to discuss how credit lenders are contending with technology enablement trends in the financial services industry.
Josh and Abhi kick the conversation off by examining the global business drivers impacting how organizations — and especially leadership — are thinking about technology. Abhi notes how the pandemic accelerated cloud adoption for many financial institutions, and emphasizes how important it is for business leaders to appeal to engineering talent.
Abhi then addresses what lenders can do to better adapt to these significant mark...
2023-03-2835 minTransUnion Business InsightsOpen Banking Steps Up: Bud Announcement, Fiinu Launch and the Evolution of Open FinanceThe evolution of open banking continues apace. In this episode of Data, Strategies and Trust, we bring together some of the concepts and approaches which are driving the data solution forward and making it an increasingly recognisable piece of the banking customer journey.
Hosting the show is TransUnion's Celso Nogueira. Celso joined TransUnion’s Brazil business in 2016 and has specialised in the development of open banking solutions. At the beginning of 2023 Celso moved to TransUnion’s UK business as our director of product management – open banking. Bringing a global perspective to the table, Celso talks with Sam Buckle...
2023-03-2125 minTransUnion: Extra CreditEpisode 17: The Competitive Shifts Shaping the Credit Card MarketAfter focusing on market forecast trends in last month’s episode, Craig and Josh are diving deeper to examine the competitive dynamics currently facing issuers — and how technology is shaping that competition. They are joined by David Shipper, a strategic advisor at research firm Aite Novarica with expertise in the card and payment space.
Josh and David start by discussing the power of convenient payment methods, and how alternative digital payment apps are creating shifts in the market. David points out key customer-centric trends being overlooked by many financial institutions, while highlighting opportunities for banks willing to exam...
2023-03-0131 minTransUnion: Extra CreditEpisode 16: A Look at Consumer Credit Behavior and Trends in 2023To kick off our first episode of the year, TransUnion’s Michele Raneri (VP of Financial Services Research and Consulting) and Kathy Maffei (Sr. Director of Argus Advisory, a TransUnion Company) join this month’s podcast to share their predictions for 2023.
Michele begins with a conversation on originations and delinquencies in the personal loan, mortgage and auto industries, and the resulting impact they could have on consumer credit health in the US. She and Craig discuss how consumers are still quitting their jobs in record numbers — despite believing a recession is coming — and what that means for consumer...
2023-02-0829 minTransUnion Business InsightsData Breach: Creating a Contingency Plan for 2023In this episode of TransUnion's Data, Strategies and Trust podcast series, Mark Read, head of data breach solutions at TransUnion UK, sits down with Ellie Ludlam, partner within the cyber and data risk team at DAC Beachcroft LLP, and Bill Flynn, senior vice president and deputy general counsel at TransUnion International, about the current data breach landscape and how businesses can best respond to 'known unknowns'.
In our e-book, Data Breach Support for Businesses, we reported that 83% of businesses say new working practices mean they fear a data breach now more than ever. With data breaches an...
2023-01-1243 minTransUnion: Extra CreditEpisode 15: Dynamics, Trends and the State of the Credit Market (Part Two)To close out the year with a bang, December’s Extra Credit episode is a double-header. Paul Siegfried, TransUnion Head of Card and Banking, joins Josh and Craig for a two-part podcast where he shares his perspectives on current consumer and competitive trends in the credit card market, and how issuers can differentiate and position themselves for growth.
Part two of episode 12 kicks off with the second half of the car-themed trivia before honing in on competitive pressures facing different card issuer segments as they position themselves to acquire and retain customers, transactions and balances. Paul explains th...
2022-12-1523 minTransUnion: Extra CreditEpisode 14: Dynamics, Trends and the State of the Credit Market (Part One)To close out the year with a bang, December’s Extra Credit episode is a double-header. Paul Siegfried, TransUnion Head of Card and Banking, joins Josh and Craig for a two-part podcast where he shares his perspectives on current consumer and competitive trends in the credit card market, and how issuers can differentiate and position themselves for growth.
In part one of episode 12, the conversation explores the financial health of the American consumer and credit market dynamics, including how issuers are faring relative to other lending institutions, and what they’re thinking about as they look to 2023. Paul...
2022-12-1427 minTransUnion: Extra CreditEpisode 13: How Credit Card Issuers Can Help Consumers Meet Their Financial Obligations in Today’s EconomyThe credit card market is the focus when Craig and Josh sit down with Bill Bostwick, Senior Vice President and Head of Atlanticus’ card division. A veteran leader in the card space, Bill brings deep experience to his role as he partners with banks, retail and healthcare organizations to help the financially underserved manage their financial well-being.
This conversation discusses upcoming challenges in the card market, and explores how the industry can address potential obstacles — for both issuers and consumers — as the economy continues to evolve. Reflecting on recent trends and what they foretell, Bill shares valuable insigh...
2022-10-1928 minTransUnion Business InsightsThe Drive for Greater Financial Inclusion with TotallyMoneyAt a time of economic uncertainty how can we better help the financially under-served and drive greater financial inclusion?
In this podcast we focus on how we can improve consumers’ experience of credit against the backdrop of the cost of living crises, and give them greater confidence in their finances. Joining host Kelli Fielding, VP Consumer Interactive at TransUnion, are Alastair Douglas, CEO of TotallyMoney, and Sarah Taylor, Analytical Consultant, TransUnion.
TransUnion Consumer Pulse research shows 70% of consumers think having access to credit is important to achieve their financial goals, but a recent white paper on...
2022-10-1426 minTransUnion: Extra CreditEpisode 12: A Macroeconomist’s View of the Economy and Where It’s HeadedTo gain perspective on where our economy stands and where it’s headed, we’re delighted to welcome Ryan Boyle to this month’s podcast. A macroeconomist at Northern Trust — and TransUnion alumnus — Ryan brings deep knowledge and practical insight on multiple forces at play, giving us a better understanding of what’s actually happening and how.
In this episode, Josh and Craig ask Ryan about the current state of the US economy and how it fits within the global context. Ryan shares his perspectives on labor and employment trends, supply chain issues, inflation — and the implications for consumer l...
2022-09-2135 minTransUnion Business InsightsSocially Responsible Gambling Amidst a Cost of Living CrisisIn this episode we turn our attention to the UK gambling industry.
According to UK Gambling Commission research, 43% of UK adults aged 16 and over participated in gambling in year to March 2022 (within a four week period). This includes the National Lottery, sports betting and online slot machines. The UK gaming industry has invested heavily in the move from bricks and mortar to omnichannel, the digital customer experience and adapting to evolving regulation. In this podcast we focus on socially responsible gambling through the lens of updates to UK gambling regulation and the growing cost of living crises...
2022-09-0126 minTransUnion: Extra CreditEpisode 11: How a Technology Revolution Could Impact Payment ProvidersWe’re thrilled to welcome guest Rahul Gupta to this month’s podcast! Having worked in financial tech, banking and payments spaces since the 90s, Rahul brings a wealth of information and insight to the table — and has many thoughts on what card lenders should expect in the coming decade.
In this episode, Craig asks Rahul how new developments in the payments space could impact card lenders — which leads to the group discussing whether Payment-as-a-Service (PaaS) might become an expansion of card wholesale for vertical-based lenders. Rahul alludes to a technology revolution in which all industries eventually offer embedded...
2022-08-1729 minTransUnion: Extra CreditEpisode 10: The State of the Financial Services Industry and Thoughts on Economic UncertaintyTransUnion’s Jason Laky (Executive VP of Financial Services) joins this month’s episode to discuss the state of the financial services industry — now that we’re just over halfway through 2022.
Craig and Josh inquire about consumer credit health, which Jason says is in very good shape despite a turbulent economy. Jason looks back on some industry predictions he made earlier in the year, including those regarding auto and mortgage markets, and supply and demand of consumer credit cards. Then, Craig and Josh open the floor to discuss risks and opportunities for lenders across various financial products; and Jaso...
2022-07-2734 minTransUnion Business InsightsOpen Sesame: The Opportunity for Open Banking in 2022In the UK we're five years into the open banking journey that’s enabled consumers to share their current account information securely with third-party providers in exchange for tailored financial products and services. The macroeconomic challenges of the cost of living crisis, the COVID-19 pandemic, as well as rising property and rental prices, are putting financial services and credit products under the microscope. In parallel, the technology is continuing to evolve with the Open Banking Implementation Entity's (OBIE) publication of the Open Banking Standard version 3.1.10, the final release under the Competition and Markets Authority (CMA) revised roadmap. This makes it...
2022-06-2718 min
Credit Game CanadaEquifax and TransUnion - The Credit Dynamic DuoThere are two reporting agencies in Canada, Equifax and TransUnion. There are many different ways to get a copy of your credit report but few Canadians see the benefit of reviewing both. You might be surprised at how different your Equifax and TransUnion reports can be and why it is essential to review both of them, especially if you are planning any major financing in the near future!
OR VISUALS AND FOR THE FULL EPISODE - https://youtu.be/B1px5RIDY5w
MY STREET CRED - https://creditgame.net/street-cred/
R...
2022-06-1512 minTransUnion: Extra CreditEpisode 9: The Policy Initiatives and Regulations Affecting the US Financial Services IndustryTransUnion’s Rachel Goldberg (Global Head of External Affairs) and Allison Shuster (Head of U.S. Government Relations) join the podcast this month to discuss US policy initiatives affecting the financial services industry, as well as the current regulatory landscape in Washington D.C.
In this episode, our guests touch on the debate regarding a federal privacy standard and how difficult it’s been for legislation to pass at a federal level. Allison weighs in on possible regulatory impacts should control of the legislative branches shift during the midterms; Rachel shares her thoughts around financial inclusion efforts from the...
2022-06-1525 minTransUnion: Extra CreditEpisode 8: The Evolution of Financial Inclusion (Part Two)This month, we’re seeing double with two guests and two episodes! Joining Craig and Josh are Karen Andres (Director of Policy and Market Solutions and Project Director of the Retirement Savings Initiative at the Aspen Institute Financial Security Program) and Josh Sledge (Senior Director of Incubation at the Filene Research Institute, a “think and do tank” in the credit union space).
In part two of this month’s episode, Craig asks Karen and Josh S. to offer opinions on the government’s role in regulating financial products. They also discuss the importance of truly understanding consumer outcomes. Our guests...
2022-05-2618 minTransUnion Business InsightsAltFi Festival of Finance 2022 DebriefThis episode revolves around AltFi Festival of Finance 2022.
TransUnion was the headline sponsor for the event (held 27-28 April), that brought together key players in the alternative finance and fintech space. Over the course of the two days the spotlight was shone on product development, industry-wide challenges and disruptive innovation.
Host Asia Anwar-Jones, Head of FinTech at TransUnion, is joined by VP of FinTech, Steve Wishart, and Praneeth Meka, Senior Director Data Science and Analytics, to discuss some of the main themes that emerged during the festival. Asia asks Steve and Praneeth about the importance...
2022-05-2521 minTransUnion: Extra CreditEpisode 7: The Evolution of Financial Inclusion (Part One)This month, we’re seeing double with two guests and two episodes! Joining Craig and Josh are Karen Andres (Director of Policy and Market Solutions and Project Director of the Retirement Savings Initiative at the Aspen Institute Financial Security Program) and Josh Sledge (Senior Director of Incubation at the Filene Research Institute, a “think and do tank” in the credit union space).
In part one, Karen and Josh S. explore how the approach to financial inclusion has evolved over the decade — specifically regarding the role of financial institutions. Karen discusses the Aspen Institute’s recent call for the Biden admi...
2022-05-2526 minTransUnion: Extra CreditEpisode 6: Overhyped FinTech Trends and Navigating a Saturated Card MarketJason Mikula is on the podcast this month! Having spent more than decade building and scaling consumer finance businesses — including Enova, LendUp and Goldman Sachs — Jason is now the publisher of the Fintech Business Weekly newsletter and an advisor for early stage startups.
In this episode, Jason shares the FinTech trends he believes are overhyped, and argues that creditors and lenders aren’t paying enough attention to the rapidly changing payments universe. He offers his perspective on cryptocurrency and the US regulatory environment, and he, Craig and Josh discuss measures lenders can take as the credit card market become...
2022-04-2032 min
ShadowTalk: Powered by ReliaQuestWeekly: Lapsus$ Targets Large Companies, Russia/Ukraine Ongoing War, TransUnion Data BreachShadowTalk host Chris alongside Kim, Ivan, and Rick bring you the latest in threat intelligence. This week they cover:* Lapsus$ threat group targets several large companies* Russia/Ukraine war shows no sign of slowing down* TransUnion unveils enhanced data breach***Resources from this week’s podcast***Vulnerability Intelligence Round-Up: Russia-Ukraine Warhttps://www.digitalshadows.com/blog-and-research/vulnerability-intelligence-round-up-russia-ukraine-war/The Okta Breach: What We Know So Farhttps://www.digitalshadows.com/blog-and-research/the-okta-breach-what-we-know-so-far/Russia’s Second Front: The War On Informationhttps://www.digitalshadows.com/blog-and-research/russias-second-front-the-war-on-information/Okta hack puts thousands of businesses on high alerthttps://www.theverge.com/2022/3/22/22990637/okta-breach-single-sign-on-lapsus-hacker-group?utm_campaign=theverge&utm_content=chor...
2022-03-2530 minTransUnion: Extra CreditEpisode 5: The Innovations and Setbacks Across Today’s Card and Banking UniverseSusan Ehrlich joins Craig and Josh on the podcast this month, drawing on a wealth of industry experience at incumbent banks, neobanks, large credit card lenders, and more — including running Amazon’s global credit card program, serving as CEO of Earnest, and now sitting on the boards for BECU, Petal and Arrived Homes.
In the episode, Susan shares her excitement for how companies are expanding access to consumers across the credit spectrum. They discuss the legacy tech challenges traditional FIs and credit card lenders are facing, implications of the banking industry moving to the cloud, and what credit unio...
2022-03-1731 minTransUnion Business InsightsHow Startups Can Get Their Data Strategy Right With KPMGAccording to Technation.io, UK tech VC investment is the third biggest in the world, hitting a record high of $15bn in 2020, with the UK tech startup and scaleup ecosystem valued at $585B. These tech pioneers are disrupting the status quo, creating new digital experiences and standards.
This episode focuses on tech startups, covering those going through initial funding rounds to organisations wanting to evolve their data strategy as they grow and navigate the challenges of a maturing business.
Presented by Lisa Meynell, Account Director in the FinTech team here at TransUnion UK, our expert...
2022-02-1623 minTransUnion: Extra CreditEpisode 4: Credit Unions, Trended Credit Scores and Giant Foam WedgesThis month, Craig and Josh are joined by Jim Block, COO and Executive VP at BCU — a large, Chicago-based credit union serving members across the US.
After asking Jim to weigh in on their prediction around trended credit scores, Craig and Josh inquire about how BCU leverages and balances trended credit data, as well as the credit union’s focus on financial inclusion.
Craig and Josh then quiz Jim on some credit union history, and Jim shares an update on the giant foam wedge that once lived in his basement.
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For questions or to suggest an epi...
2022-02-1620 minTransUnion Business InsightsDigital Onboarding: Global Insights and Best Practice ExamplesHow has COVID-19 influenced the way lenders, telco, insurance, automative businesses and retailers, engineer their digital onboarding flows? And are these changes permanent and what innovations are on the horizon?
In this podcast we dive into the role fraud and identity solutions have in creating secure and outstanding customer experiences. Since 2020, digital fraud and financial crime has exploded, negatively impacting on consumer and business confidence and trust.
Delivering a great onboarding experience during customer acquisition is a universal ambition for digital leaders. To demonstrate common dominators and differences across borders, and provide the best insights...
2022-02-1531 min
No HypeMatt Spiegel - Precision Marketing, Phish, & The Future of TelevisionMatt Spiegel, EVP of Strategic Planning and Head of the Media Vertical at TransUnion, speaks with Allyson and Brett about everything from identity-enabled businesses to data utopias and the role shopability plays in the traditional set-top box.
Learn about Spiegel’s career to date, the biggest trends on his radar, and what New Orleans funk has to do with machine learning and heavy-duty math.
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2022-02-0731 minTransUnion: Extra CreditEpisode 3: Bonus Episode - Extra Credit: February Q&AA top 50 credit union wants to grow its card program but is having trouble deciding whether to maintain its ‘credit union marketing philosophy’ or pivot its strategy to resemble that of a bigger bank.
Hear Craig and Josh answer this listener’s question — and others — in this month’s Q&A.
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To ask a question or suggest an episode topic, please email ExtraCredit@transunion.com.
The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liability for any actions taken based upon the content of this podcast.
The informatio...
2022-02-0304 minTransUnion: Extra CreditEpisode 2: Looking Ahead: Key Drivers and Predictions for 2022Looking ahead in 2022, TransUnion’s Craig and Josh discuss the trends and developments within four key areas of card and banking:
Consumer economic health and behavior
Significant government and regulatory trends
Competitive developments
External influences
5.
From there, they make their predictions — covering everything from inflation levels and origination numbers to credit unions and reengineered checking accounts. They even commit the cardinal sin of mentioning religion and politics… but Craig was too busy thinking about Scotch to notice.
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For questions or to suggest an episode topic, email ExtraCredit@transunion.com.
The information discussed in this podcast constitutes the opinion...
2022-01-2727 minTransUnion Business InsightsTransUnion 'Future' Summit 2021 - Panel DiscussionConsumer expectations of digital experiences are transforming at speed, whilst the economy and household budgets adapt to changing dynamics.
Our TransUnion Summit 2021 was themed around the 'Future'. The event explored the ongoing realignment of consumer and business relationships during COVID-19, and focused on creating a better understanding of consumer needs, industry developments and approaches to inform future growth plans.
Speakers from different sectors shared big, renewable ideas, took deep dives into disruptive solutions and explained important emerging data trends that can help empower you and your team to be successful in the future economy.
2022-01-1840 minTransUnion: Extra CreditEpisode 1: Extra Credit Episode 1: 2021 in ReviewIn the inaugural episode of Extra Credit, TransUnion's Craig LaChapelle and Josh Turnbull look back on how the card and banking industry fared in 2021.
Several questions were discussed, including:
What were the dynamics of consumer demand, and how did ongoing effects of the pandemic impact consumer balances and liquidity?
What did we learn about Buy Now, Pay Later consumers?
How did Gen Z’s growing involvement in the credit market compare to preceding generations?
Featuring guest Paul Siegfried, Head of Card and Banking at TransUnion.
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For questions or to suggest an epis...
2022-01-1044 minTransUnion Business InsightsPreparing Your Business for Gen ZGeneration Z will soon become the biggest cohort of UK consumers, wielding immense spending power and influencing the direction of digital platforms. This podcast discusses TransUnion’s Q3 2021 Consumer Pulse research, that found demand for credit is rising for younger consumers:
42% of Gen Z and 34% of Millennials plan to apply for credit compared to just 9% of Baby Boomers
With those Gen Zers planning to apply for credit most likely to use credit cards, with over one in three looking to apply for a new card
The rise in credit card providers, new forms of credit such as Bu...
2021-10-0717 min
TransUnion Business InsightsWomen @ TU Takeover – Supporting Women for SuccessAs a business we seek to empower, support and inspire women both across our organisation and within our wider communities.
Women @ TU is a global network group, open to all TransUnion employees passionate about promoting women’s growth. It spans networking, education, personal development, social impact, mentoring and supporting working parents, and creates an opportunity for women to come together to effect positive change.
For this episode we're excited to hand over the mic to our Women @ TU team who help to deliver that message. Hosted by Louise North, Senior Account Director for TransUnion, founding me...
2021-09-2126 min
Supreme Court OpinionsTransUnion LLC v Ramirez, (2021)TransUnion LLC v Ramirez, (2021), was a United States Supreme Court case dealing with standing under Article III of the Constitution related to class-action suits against private defendants. In a 5–4 decision, the Court ruled that only those that can show concrete harm have standing to seek damages against private defendants.Background.Sergio Ramirez had been in the process of purchasing a new car in 2011, and as typically done, had his credit rating reviewed by the dealership. Using of the credit rating agencies, TransUnion, his name was checked not only against financial databases but alongside a list ma...
2021-07-2604 min
TransUnion Business InsightsFraud Trends Within FinTechDigitisation — the fundamental pillar of FinTech — has become more critical to businesses since the onset of COVID-19. This is evidenced by the rise in demand for online finance, and evolution of consumer-facing platforms and services — all set against a background where consumer fraud is now mainstream news.
Our experts will explore the changing fraud landscape and its knock-on effect on consumer trust and CX across generations, and how FinTechs are likely to adapt to shifting consumer preferences — and new and fierce competitors — to maintain their innovative edge.
Our expert guests are:
Steve Wishart, Head of FinTech...
2021-07-1419 min
Supreme Court Oral Arguments[20-297] TransUnion LLC v. RamirezTransUnion LLC v. Ramirez
Wikipedia · Justia (with opinion) · Docket · oyez.org
Argued on Mar 30, 2021.Decided on Jun 25, 2021.
Petitioner: TransUnion LLC.Respondent: Sergio L. Ramirez.
Advocates: Paul D. Clement (for the Petitioner)
Nicole F. Reaves (for the United States, as amicus curiae, supporting neither party)
Samuel Issacharoff (for the Respondent)
Facts of the case (from oyez.org)
In February 2011, Sergio Ramirez went with his wife and father-in-law to purchase a car. When the dealership ran a joint credit check on Ramirez and his wife, it...
2021-03-301h 30
The CUInsight NetworkThe Right Data - TransUnion (#4)Thank you for tuning in to episode 4 of The CUInsight Network, with your host, Randy Smith, co-founder of CUInsight.com. In The CUInsight Network, we take a deeper dive with the thought leaders who support the credit union community. We discuss issues and challenges facing credit unions and identify best practices to learn and grow together.My guest today is Sean Flynn, the Senior Director of Credit Unions at TransUnion. Sean discusses how he wanted to be a Navy pilot when he grew up but ended up in a high school program that put him on the...
2021-03-1925 min