Experian plc (EXPN) 2017年年度报告「LSE」.pdf

1、Creating a better tomorrow Annual Report 2017Year ended 31 March 2017The challenges were here to help solveWe live in a world built on data:it is everywhere,continually growing in power,value and influence.At Experian we have always believed that data has the potential to transform lives and societi

2、es to create a better tomorrow.The sheer amount of data and information available today might seem overwhelming.But were making sense of it in powerful new ways that others cant.Every day we gather,analyse and process data that helps people and businesses to achieve more;individuals to access the fi

3、nancial services they need;people to protect their identities and lives;and economies and societies to flourish.Experian Annual Report 2017|The challengesThe challengeUnlocking the potential of data to help people and businesses achieve even more.DATA AND ANALYTICSEvery time you check your mobile ba

4、nking app,pay a bill or click through a website,you add to the vast amount of data that exists in the world.Too much of this data goes unanalysed,meaning people and businesses are missing opportunities and taking unnecessary risks.See how were.23 Building a partnership with Banco Original 28 Helping

5、 big companies by getting them to act like small ones 35 Building credit histories to help people afford their first homeThe challengeHelping more people get the financial services they need.FINANCIAL ACCESSJust a little mistake,like missing a bill payment or maxing out a credit card,can lower your

6、credit score.This makes it harder to borrow the money you need,with lenders making the cost of borrowing very high,or even not lending anything at all.See how were.30 Bringing peoples businesses together to help them flourish 39 Helping people get affordable loans in Vietnam 47 Going the extra 13 mi