Get an insider’s view into data, business strategies and trust. In each episode, industry experts join us to discuss key talking points in the world of technology. We’ll share new insights and perspectives on topics, such as how fraud is challenging FinTech growth; ways to develop award-winning, consumer-centric lending platforms; or the product set needed to optimise customer onboarding.
You’ll learn more about the inner workings of TransUnion — one of the world’s leading insights and analytics companies — and how we bring our purpose of Information for Good® to life for individuals and communities.
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CX Success: Strategies for Trusted Customer Engagement
Monday, October 14, 2024 • Duration 34:41
In 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 trends to look out for in 2025, delve into the tools organisations are leveraging to create cutting-edge digital experiences, and provide you with actionable strategies to enhance your customer experience and drive business success.
Want more CX insights? Download our guide [Begin new relationships, deepen existing ones](https://www.transunion.co.uk/lp/cx-ebook?utmcampaign=FR-24-159-CX-Digitisation-Campaign-Programme&utmkeyword=&utmmedium=display-ad&utmsource=Podcast&utmcontent=Podcast+)_ to uncover more in-depth insights into how you can transform you customer experience to elevate customer relationships and achieve sustainable growth.
A New Dimension of Data: How Geodemographic Data Can Enhance Marketing Outputs
Friday, August 16, 2024 • Duration 23:22
In 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.
The main focus of this episode is CAMEO, TransUnion’s geodemographic and audience segmentation marketing tool and the consumer insights it offers marketers. Recently rebuilt for UK businesses, CAMEO (and similar solutions) can add value to marketing and brand teams through multiple use cases including:
* informing and building customer personas
* information and insights that can help shape marketing strategies and messaging
* sizing and targeting audiences
Further talking points include how first or third-party data and cutting-edge technology can help messages be delivered to the right audience at the right time throughout the campaign lifecycle, the rapid changes occurring in the adtech space (with Ayelet providing an insight into both what is happening in the US market and globally) and an explanation of what good quality, future-proofed data looks like.
*For more information: *
* Explore and demo CAMEO (https://www.transunion.co.uk/product/cameo)
* Read the Ultimate Unified Identity eBook Today's Data-Savvy Marketers Need (https://www.transunion.com/ebook/unified-identity?atvy=%7B%22219652%22%3A%22With+Thumbnail%22%7D)
*
A Conversation with Jamie Bartlett: The Fraud "Business", Consumer Accountability, and the Latest on the Missing Cryptoqueen
Thursday, July 6, 2023 • Duration 37:00
As digital crime evolves and fraudsters exploit changes in consumer behaviour, our host, Harriet Sloan, head of fraud consultancy and analytics, is joined by Jamie Bartlett, journalist and author of The Missing Cryptoqueen and The Dark Net to discuss:
Fraud trends and the international nature of digital crime
The impact of crime on consumers and the role education can play in mitigating risks of financial crime
How technology is both an enabler and preventor of modern crime
Plus, Jamie updates us on his search for Dr Ruja Ignatova. Dr Ruja is the only woman currently on the FBI’s Ten Most Wanted Fugitives list and the main protagonist in The Missing Cryptoqueen the award-winning podcast series Jamie produces with Georgia Catt.
This espisode of Data, Strategies and Trust features key findings from our State of Omnichannel Fraud Report (https://www.transunion.co.uk/lp/transunion-2023-state-of-omnichannel-fraud-report). Our annual report features insights surrounding digital fraud trends, as well as practical steps businesses can take to mitigate synthetic identities, improve fraud detection, and reduce false positives.
Hyperfocusing on Consumer Outcomes: The New Consumer Duty and Financial Vulnerability
Tuesday, June 27, 2023 • Duration 24:59
One 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 strategic mindset.
This podcast dives into the issue of financial vulnerability and discusses the changing regulatory landscape and the latest on the Consumer Duty. It features vox pops from the public talking about their financial concerns and how they are coping with the pressures on their household budgets, expert insights from decision makers in the credit space and an overview of the ways businesses can strengthen relationships with customers and improve their financial confidence.
Contributors you'll hear from:
* Sam Welch, Commercial Banking Director, TransUnion
* Jonathan Baum, Non-Exec Board Member and Strategic Advisor
* Caroline Evetts, Director of Risk & Compliance, TransUnion
* Oli Lewis-Jones, Retail Conduct Risk and Regulation Consultant, Deloitte
* James Robinson, Managing Director - Consumer Interactive, TransUnion
Further insights
* Create brighter futures with CreditView (https://www.transunion.co.uk/lp/creditview-ebook) e-Book
* Emerging Financial Services Trends and The Future of Banking (https://www.transunion.co.uk/blog/emerging-financial-services-trends-and-the-future-of-banking)
Building Meaningful Lending Experiences: How to Think Like A Gen Z Consumer
Thursday, May 4, 2023 • Duration 43:39
As 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 aspirations.
Hosting the show is TransUnion's James Robinson (https://uk.linkedin.com/in/james-robinson-35ba3622). James started at TransUnion in 2007 and has worked across account management, pre-sales and was recently promoted to managing director of our consumer interactive team. With over 10 years’ experience in delivering consumer credit solutions, James is a subject matter expert (SME) in consumer credit and open banking data, and the lending customer experience. Joining James is Ellie Austin-Williams (https://uk.linkedin.com/in/ellie-austin-williams), founder of This Girl Talks Money. Ellie aims to empower and help Gen Z and Millennials cultivate a positive money mindset. Working with this demographic, and brings a fresh, personable perspective to important issues such as financial education and money management.
Topics include; dissecting the ideal customer journey for Gen Z talking to innovation, personalisation, security and instant decisions; digital trust in an age of disinformation and scams; and their understanding and adoption of open banking.
Speakers:
* James Robinson, managing director, consumer interactive, TransUnion in the UK
* Ellie Austin-Williams, founder of This Girl Talks Money
Open Banking Steps Up: Bud Announcement, Fiinu Launch and the Evolution of Open Finance
Tuesday, March 21, 2023 • Duration 25:30
The 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 (https://www.transunion.co.uk/product/open-banking-platform). Bringing a global perspective to the table, Celso talks with Sam Buckley, senior credit consultant – open banking, about the adoption of open banking in the UK, emerging use cases that we are seeing in the market and the recent announcement of TransUnion going into partnership with Bud, which is designed to drive greater financial inclusion.
In the UK, TransUnion was an early advocate of open banking, viewing the technology as a way to improve customer acquisition, customer experience and enable more informed and fairer lending decisions. Contributing to the discussion in this episode is Chris Sweeney, CEO of Fiinu (https://www.fiinu.com/), a consumer-focused fintech that secured its Financial Conduct Authority license in 2022. Chris' career to date has included being CEO at 118 118 Money and prior to that, CEO and Executive Director of Vanquis Bank. With over 20 years’ experience in consumer finance and retail banking, and a track record of driving businesses forward through strategic transformational change in the UK and overseas markets, he's helping to launch Fiinu this year.
Chris talks to Sam about crafting Fiinu’s consumer-facing proposition, how they are innovating by putting open banking at the beginning of the customer journey and the exciting ways it and open finance can help consumers access appropriate financial products.
Speakers:
* Celso Nogueira, director of product management – open banking, TransUnion in the UK
* Sam Buckley, senior credit consultant – open banking, TransUnion in the UK
* Chris Sweeney, CEO of Fiinu
Useful links:
* Celso quotes statistics around the increased consumer usage of open banking from the OBIE (https://www.openbanking.org.uk/about-us/)
* The consumer numbers that Chris (Fiinu) references are sourced from the FCA (33 million is from the FCA (19M arranged, 14M unarranged users)) and verified primary research conducted by Fiinu using bureau data (e.g. 16.5m is 14+2.5m as the unarranged market grew by 2.5M)
* Sustainable Growth for Lenders: A guide for reaching and retaining the next generation (https://www.transunion.co.uk/lp/sustainable-growth-for-lenders)
Data Breach: Creating a Contingency Plan for 2023
Thursday, January 12, 2023 • Duration 43:17
In 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 ongoing and evolving threat this podcast explores some of the topics that are likely to matter to security professionals and their stakeholders in 2023. Our expert speakers talk through the UK regulator’s position on data breach compensation claims, insights from DAC Beachcroft’s data protection and cyber conference (held in November 2022) and discuss of the some of the main cyber issues facing UK businesses, including ransomware, robust third-party protection and cyber resilience.
This podcast is ideal for cyber and risk experts or senior leaders working with digital teams wanting to learn more about some of the pressing issues and risks within the data breach and cyber crime world, and how they can evolve and sharpen their contingency plans.
Speakers:
* Mark Read, head of data breach solutions at TransUnion UK (https://uk.linkedin.com/in/mark-read-)
* Ellie Ludlam, partner within the cyber and data risk team at DAC Beachcroft LLP (https://uk.linkedin.com/in/eleanor-ludlam-a7736927)
* Bill Flynn, senior vice president and deputy general counsel at TransUnion International
For more information on TransUnion's data breach support services and reasearch visit:
* Data Breach Support Service (https://www.transunion.co.uk/solution/data-breach-support-service)
* Data Breach Support for Businesses ebook (https://solutions.transunion.co.uk/trueidentity-ebook/)
The Drive for Greater Financial Inclusion with TotallyMoney
Friday, October 14, 2022 • Duration 26:06
At 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 the financially under-served, published by TotallyMoney, revealed 1 in 3 UK adults struggle to access mainstream lenders. These research pieces provide the starting point for a discussion that explains what financial inclusion actually means, why it is important, and why it offers lenders an opportunity to materially help improve consumers’ access to lending products, as well as their understanding of their financial situation. Our speakers also discuss advancements in digital customer experience and using innovation to foster loyalty.
Research cited in this podcast can be found below:
* TransUnion: Consumer Credit 2022 (Consumer Credit 2022)
* TransUnion: Consumer Pulse Study (Consumer Pulse Study)
* TotallyMoney: Overlooked and financially under-served white paper (https://www.totallymoney.com/financially-under-served-whitepaper.pdf)
Socially Responsible Gambling Amidst a Cost of Living Crisis
Thursday, September 1, 2022 • Duration 26:50
In this episode we turn our attention to the UK gambling industry.
According to UK Gambling Commission research (https://www.gamblingcommission.gov.uk/statistics-and-research/publication/statistics-on-participation-and-problem-gambling-for-the-year-to-march-2022), 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. We ask: How can the UK gambling industry better protect consumers in 2022 and in the future?
Joining host Ben Wade (TransUnion) are Luke Sugden (Flutter UK and Ireland), Tom Banks (Kindred Group), Dan Whitlam (GamCare) and Roberta Sossi (TransUnion). The discussion starts with the latest guidance published by the UK Gambling Commission, with our guests identifying key talking points and explaining how the industry is interpreting and responding to them. The conversation moves on to insights into consumer economic behaviour and attitudes, the protections players expect from operators and how this is shaping the digital customer experience. We wrap up by looking to the future and how advanced data insights and regulation could further help consumers and the industry.
Contributors:
* Ben Wade, Sector Lead - Gaming, TransUnion
* Luke Sugden, Director of Risk and Safer Gambling, Flutter UK and Ireland
* Tom Banks, Head of Corporate Affairs UK and Global, Kindred Group
* Dan Whitlam, Head of Industry Standards, GamCare
* Roberta Sossi, Senior Credit Consultant, TransUnion
Further information:
* Read up on TransUnion's ongoing Consumer Pulse research (https://www.transunion.co.uk/consumer-pulse-study), consumer research Roberta refers to in this episode
* Find out how TransUnion works and partners with the gaming industry (https://www.transunion.co.uk/industry/gaming)
* UK Gambling Commission June 2022 update: Customer interaction: formal guidance for remote gambling operators (https://www.gamblingcommission.gov.uk/licensees-and-businesses/guide/customer-interaction-formal-guidance-for-remote-gambling-operators)
Open Sesame: The Opportunity for Open Banking in 2022
Monday, June 27, 2022 • Duration 18:17
In 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 an ideal time to dive into the world of open banking, to understand its development and potential to help consumers and businesses create better outcomes.
In this episode regular host Asia Anwar-Jones, Head of FinTech at TransUnion, is joined by Praneeth Meka, Senior Director Data Science and Analytics, and Sam Buckley, Senior Credit Consultant in Open Banking, to explore open banking’s maturity curve, reflecting on consumer adoption, use cases and lessons learned, and ongoing innovation.
In the UK, TransUnion was an early advocate of open banking (https://www.transunion.co.uk/product/open-banking-platform), viewing the technology as a way to improve customer acquisition, customer experience and enable more informed and fairer lending decisions. Recent product development to our end-to-end solution includes enhancements during COVID-19 as consumer affordability became a key issue and our partnership with Credit Ladder to include property rental payments in credit reports (https://newsroom.transunion.co.uk/transunion-teams-up-with-creditladder-to-include-property-rental-payments-in-credit-reports/).
Further insights into open banking from TransUnion:
• The role of open banking in a polarised UK economy (https://www.transunion.co.uk/blog/the-role-of-open-banking-in-a-polarised-uk-economy)
• Consumer Credit 2022: Responding to Challenge and Change (https://solutions.transunion.co.uk/consumer-credit-2022/)
• Lending in a Time of Crisis ebook (https://solutions.transunion.co.uk/lending-in-a-time-of-crisis/)
