COMPANY PROFILE -Experian plc
Business Sector :Credit Reporting, Banking and Financial Services
Operating Geography :Ireland, Europe, Global
About Experian plc :
Based in Dublin, Ireland, Experian plc is an Anglo-Irish multinational consumer credit reporting company operating in 45 countries with offices in Brazil, the United Kingdom, and the United States. Experian also deals in selling marketing assistance and decision analytic to businesses, including individual fingerprinting and targeting. It is listed on the London Stock Exchange and is a constituent of the FTSE 100 Index. Experian is one of the "Big Three" credit-reporting agencies, alongside TransUnion and Equifax. The firm has its origins in Credit Data Corporation, which was a business acquired by TRW Inc. in 1968. A new leak was revealed in Brazil in January 2021, where the source was linked to Experian's Brazilian subsidiary Serasa Experian. It was probably the most severe data breach in history, which resulted in data of 220 million citizens being compromised and sold on the web. Experian helps individuals in having financial control and access financial services.
Experian's Unique Selling Proposition or USP centers around assisting consumers from buying a home or car, to sending a child to college, to growing a business exponentially by connecting it with new customers – they empower consumers and clients to manage data with confidence in order to maximize every opportunity. Experian's mission is to "unlock the power of data and technology to improve our world."
Experian plc Revenue :
$ 5,179 million – FY ending 31st March 2020 (y-o-y growth 7%)
$ 4,861 million – FY ending 31st March 2019
Competitive Analysis of Experian plc
The SWOT analysis for Experian plc is presented below in a matrix followed by a detailed analysis
| Strengths | Weaknesses |
1. Cross-regional approach for delivering value at global scale
2. Broad capabilities enable creation of differentiated services
3. Extensive data assets which give clients in-depth insights
4. Ability to give control to customers through direct relationships
5. Strong financial growth and disciplined capital allocation
| 1. Decline in decisioning service in UK/Ireland and EMEA/Asia Pacific |
| Opportunities | Threats |
1. Increasing quantity and decreasing cost of data and analytics capabilities
2. Efficiency and productivity gains driving advances in automation and technology
3. High-growth opportunities to serve B2C market
4. Growth opportunities in unexplored niche B2B customer segments
5. High growth in North and Latin American markets
| 1. Loss or inappropriate use of data and systems
2. Fluctuations in financial markets or fiscal and monetary policies
3. Constantly changing legislations or regulatory environment
|
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Detailed SWOT Analysis of Experian plc
Strength
1. Cross-regional approach for delivering value at global scale: Experian possesses the capabilities to test-launch new products in one market and if successful, replicate those results in a totally different market by effectively accounting for changes. The company calls this methodology “cross-regional approach”, which allows the company to serve local as well as global clients. Most innovations are built on already existing common platforms which are being used globally. While taking the innovation in another location, it keeps in mind the best practices in that place and tweaks the product accordingly. In this way, Experian is able to deliver value at both global and local levels.
2. Broad capabilities enable creation of differentiated services: Experian offers services which are unique to the company by sharing knowledge and technology across business units. For instance, CrossCore is a fraud and identity platform which allows a customer to centralize and connect all solutions at one place allowing an increase in flexibility, compatibility, and decision-making speed. The company encourages discovering internal synergies by using disparate data with analytics and decisioning capabilities on different platforms. The company calls this culture of sharing all possible resources as One Experian approach.
The remaining section under "Strength" is available only in the 'Complete Report' on purchase.
Weakness
This section is available only in the 'Complete Report' on purchase.
Opportunity
This section is available only in the 'Complete Report' on purchase.
Threat
This section is available only in the 'Complete Report' on purchase.
The PESTLE analysis for Experian plc is presented below in a matrix followed by a detailed analysis
| Political | Economical |
1. Brexit restrictions on data transfer to impact data acquisition
2. Data localization and transfer policies impact operations with China
| 1. Global financial inclusion to increase utilization of services
2. High requirement of affordable credit during covid pandemic
|
| Social | Technological |
1. Consumer behavior changing with increased penetration of digital technology
2. Changing population demographics creating requirement for mobile solutions
| 1. Digitalization in US healthcare to be followed by data management shift
2. FinTech applications improving credit scores have millions of potential customers
|
| Legal | Environmental |
1. Increasing importance of consumer data and privacy rights
2. Increasing frequency of synthetic identity fraud alarm for businesses
| 1. Climate change presenting risks as well as business opportunity
2. Becoming a carbon neutral company by 2030
|
On purchase the Experian plc SWOT and PESTLE Analysis PDF report will reach you within minutes. At rare times, a slight delay not exceeding 1 hour might be caused.
Detailed Pestle Analysis of Experian plc
Political
1. Brexit restrictions on data transfer to impact data acquisition: Before Brexit, UK’s data protection rules were same as those of EU as prescribed by their common authority ICO (Information Commissioner Officer). Rules regarding flow of data between UK and EU were quite lenient given the EU GDPR was followed. However, with Brexit coming into picture, rules for data transfer have been changed. Post 1st June 2021, UK is treated as a third country to the EU and companies are required to find a new legal basis to transfer data between the two states. Pre-Brexit regulations had kept data transfer and acquisition costs at a minimum level for Experian. However, from mid-2021 the company will be incurring more costs for the same activities.
The remaining section under "Political" is available only in the 'Complete Report' on purchase.
Economic
This section is available only in the 'Complete Report' on purchase.
Social
This section is available only in the 'Complete Report' on purchase.
Technological
This section is available only in the 'Complete Report' on purchase.
Legal
This section is available only in the 'Complete Report' on purchase.
Environmental
This section is available only in the 'Complete Report' on purchase.
Major Competitors :
- IBM
- LendingClub
- Equifax
- TransUnion
- Dun & Bradstreet
- LiveRamp
- Epsilon
- FICO
- SAS
- Change Healthcare
- Credit Karma
- NerdWallet
- ClearScore
Major Brands :
- Experian Ascend
- Experian Open Data Platform (ODP)
- CrossCore
- Serasa Free Score
- Limpa Nome
- Experian DataLabs
- Experian Boost
- CreditMatch
- Identity Works
- Precise ID
- Experian Credit Report
- Auto Audiences
- Auto ID
- MyHealthDirect
- OmniActivation
- Addressable TV
- Aperture Data Studio
- Experian Atlas
On purchase the Experian plc SWOT and PESTLE Analysis PDF report will reach you within minutes. At rare times, a slight delay not exceeding 1 hour might be caused.
TABLE OF CONTENTS
DELIVERY AND FORMAT
WHY CHOOSE US?
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Check Out Analysis of Other Relevant Companies
References used in Experian plc SWOT & PESTLE Analysis Report
1. Experian Annual Report 2020 - https://www.experianplc.com/media/4001/experian-annual-report-2020.pdf
2. Data, adequacy and the future relationship – an explainer - https://www.techuk.org/resource/data-adequacy-and-the-future-relationship-an-explainer.html
3. China: Data localisation requirements | Fieldfisher - https://www.fieldfisher.com/en/insights/china-data-localisation-requirements
4. 2020 US and Global Health Care Outlook | Deloitte US - https://www2.deloitte.com/us/en/pages/life-sciences-and-health-care/articles/global-health-care-sector-outlook.html
5. Experian plc - Protecting the Environment - https://www.experianplc.com/responsibility/protecting-the-environment/
The detailed complete set of references are available on request in the 'Complete report' on purchase.
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Experian plc SWOT and PESTLE analysis has been conducted by Divyansh Kharadkar and reviewed by senior analysts from Barakaat Consulting.
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