Investor Presentaiton
Data
Data
Decisioning
Consumer
Services
WHAT WE DO
Help businesses identify and understand their customers, lend responsibly and protect customers and themselves from risk
Provide clients a better picture of consumers and their needs, to help them receive more relevant offers and communications
HOW WE DO IT
We hold deep and detailed data, helping to provide a comprehensive view of c.166m
businesses and >1.3bn people globally, creating high barriers to entry
Data gathering
24 consumer and 14 business information bureaux (each 'bureau' maintains data and
provides credit information to authorised users in that country)
Data contributed 24/7/365
Data generally provided to us for free, by our clients on a give-to-get model, e.g. from
financial services, mobile phone operators, utilities and public records, etc
The data is primarily on the credit that a person or business has applied for in the past;
and how their account has performed, including timely repayment
Data management
Each bureau collates, aggregates, cleanses and sorts vast quantities of data
Data quality
Higher quality data enables our clients to make fairer, more responsible & quicker
decisions
KEY ADDED VALUE
•
Large volumes of disparate data are aggregated into
accurate, timely and usable information
Information helps support impartial credit decisions
and broader access to credit
Extensive marketing data relevant to consumer
lifestyles helps businesses understand their
customers better and serve them with tailored
products
REVENUE MODEL
Primarily transactional with a portion from licence fees
MARKET POSITION
Number one or number two in our key markets
Main competitors: Equifax, TransUnion, Dun &
Bradstreet, LiveRamp, Epsilon
11
Experian Public
1. In terms of revenue for FY21 across the US, UK and Brazil, according to public filings.
experian.View entire presentation