Analytics and Benchmarking Focus

ICYMI: Our Top 6 Webinars on ACA Subsidy Management

ICYMI: Our Top 6 Webinars on ACA Subsidy Management Without question, 2016 brought new compliance challenges for HR professionals.  One of the more recent challenges facing employers is the ongoing management of Affordable Care Act (ACA) subsidy notifications and appeals. Because subsidies (also known as Premium Tax Credits) are the trigger for fines and you [Read More…]

Trended Data – Impact on Credit Decisions

In a previous post – Trended Data – Becoming Mainstream, we defined trended data and shared how the use of trended financial data is becoming mainstream in the mortgage industry. In this post, we’ll share an example of how a lender might use trended data in their everyday decision-making process. As a reminder, trended data [Read More…]

Are American Consumers Taking On Too Much Debt?

How much consumer debt is too much? This infographic from Visual Capitalist uses extensive Equifax data to try and answer this question. Courtesy of: Visual Capitalist

How Planning For Attribution Sets Up Holiday Season Success

The fourth quarter is always the busiest time for consumer marketers. They spend more on media and, in theory, they drive more money through increased holiday sales. This may result in high ROI, but in today’s fractured media landscape, a marketer needs to go much further to better understand how each channel affected the affluent [Read More…]

Black Friday Brings A Spike in Credit Card Account Openings

For the past four years, the Sundays before and after Black Friday have seen a fairly consistent 50% increase in the opening of retail credit card accounts over an average day in November or December. New retail credit card openings peak on Black Friday, when consumers on the average have continued to open nearly 3 [Read More…]

HENRYs Represent a Starting Point, Not a Target Affluent Audience

Recently, the concept of the HENRY — High Earner, Not Rich Yet — has become very popular with marketers, especially those looking for audiences with the potential for high discretionary spending. Advertisers looking to reach consumers on their way toward affluence have likely viewed this audience as the perfect target for their advertising campaigns. In [Read More…]

Transform Restaurant Marketing by Leveraging Transactional Data

Too few restaurants leverage their vast wealth of transactional point of sale (POS) data to better understand their customers beyond their dining experience. Even fewer use it to understand their guests’ likely ability to spend on dining. Instead, many prefer to rely upon information from a few hundred survey responses or their loyalty club membership [Read More…]

Insurance Webinar: Core Systems, Analytics and the Data Explosion: How to Capitalize on Your Investments

Ours is a data-driven digital world with insurers being driven to automate and accelerate the adoption of decisions based on data and analytics. As insurers look to capitalize on their significant investments in core systems, integrated data and decisioning are the next steps in their transformation journey. Integrating the newest data sources of today and [Read More…]

Equifax in Action: ACA Management Solutions

The Affordable Care Act (ACA) has brought unprecedented changes to workforce management and compliance. Employers often underestimate the amount of time and expertise required to effectively manage ACA compliance tasks such as data collection, calculating eligibility, completing tax forms, and more. That’s why organizations of all sizes turn to Equifax and our award-winning ACA Management Solutions. [Read More…]

A New Generation’s Behaviors Will Change Affluent Marketing

Industries like insurance are struggling to capture the attention of younger generations because fewer of these consumers are conforming to the “normal” behaviors these marketers have come to expect. While marketers still have a massive base of older consumers to fall back on at the moment, surviving market disruption will come down to how they [Read More…]