In this podcast you'll hear from James Robinson, Managing Director of Consumer Interactive at TransUnion UK and Alex Cook, Product Manager at NewDay.

James and Alex share their stories and insights on why they embrace credit education and the important role it plays in supporting consumer financial well-being. Topics covered include:

• The need to help consumers better understand their credit status and tools that can help improve improve their financial confidence
• NewDay's evolving journey with credit education
• The future of credit monitoring tools and next-generation lending experiences

Interested in cutting-edge FS solutions that can help improve customer outcomes and business performance? TransUnion have published a guide to our award-winning CreditView solution that's helping brands build next-gen financial services platforms. To get your copy** [head over to our landing page]**(https://www.transunion.co.uk/lp/creditview-ebook)

In this session, recorded at the TransUnion Summit 2023, Sam Welch (Commercial Banking Director, TransUnion) asks industry leaders from different sectors: How big is the gap between potential and reality, and what more can be done to get to know customers better?

Sam poses a set of questions on key topics to our panel of financial services SMEs, and elicits authentic insights on key challenges around an effective data strategy, how to design an advance customer experience and changing consumer attitudes and economic behaviour.

Panel chair:

• Sam Welch, Commercial Banking Director, TransUnion

Panel:

• Ranil Boteju is Chief Data & Analytics Officer, Lloyds Banking Group
• Desmond McNamara, CRO, Zilch
• Darren Kelk, MD, Ascendant Solutions
• Stuart Daniels, Chief Credit Officer, FGH

Interested in cutting-edge FS solutions that can help improve customer outcomes and business performance? TransUnion have published a guide on new use cases for Open Banking and an overview on how TransUnion and Bud are building the next generation of Open Banking solutions. To get your copy, head over to our landing page.

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 e-Book
• Emerging Financial Services Trends and The Future of Banking

Hosting the show is TransUnion's James Robinson. 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, 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

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. 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, 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
• 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

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

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, 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.

Further insights into open banking from TransUnion:
• The role of open banking in a polarised UK economy
• Consumer Credit 2022: Responding to Challenge and Change
• Lending in a Time of Crisis ebook

TransUnion was the headline sponsor for the event (held 27-28 April), that brought together key players in the alternative finance and fintech space. Over the course of the two days the spotlight was shone on product development, industry-wide challenges and disruptive innovation.

Host Asia Anwar-Jones, Head of FinTech at TransUnion, is joined by VP of FinTech, Steve Wishart, and Praneeth Meka, Senior Director Data Science and Analytics, to discuss some of the main themes that emerged during the festival. Asia asks Steve and Praneeth about the importance of trust in the digital economy, the evolution of buy now pay later (BNPL) from version 1.0 to 2.0 and what this could mean for consumers and businesses, customer experience (CX) and the opportunity presented by open banking.

Useful links:

• The TransUnion consumer research white paper referenced by Asia and Steve is the Consumer Credit 2022: Responding to Challenge and Change. Download it to get a better understanding of consumer attitudes and preferences towards finances in 2022
• Read up on how TransUnion are helping to shape the future of BNPL - TransUnion Is First UK Credit Reference Agency To Accept Buy Now, Pay Later Data
• More information on the AltFi Festival of Finance 2022 can be found on the event microsite

This episode focuses on tech startups, covering those going through initial funding rounds to organisations wanting to evolve their data strategy as they grow and navigate the challenges of a maturing business.

Presented by Lisa Meynell, Account Director in the FinTech team here at TransUnion UK, our expert guests are: 

• Dai Duong, a Partner at KPMG. Dai leads the Modelling and Analytics business in the UK, with a particular focus on Financial Services clients.
• Gareth Howell, Head of Data Solutions at TransUnion in the UK, responsible for data strategy and the inward supply of new data sources and leveraging existing assets.

Topics covered in this podcast include emerging trends in the startup space, the components and commercial benefits of a robust data strategy, and the skills and team mix needed to make this work.

Additional notes:

• the last funding round mentioned approx 9 minutes into the podcast was July 2021.

In this podcast we dive into the role fraud and identity solutions have in creating secure and outstanding customer experiences. Since 2020, digital fraud and financial crime has exploded, negatively impacting on consumer and business confidence and trust.

Delivering a great onboarding experience during customer acquisition is a universal ambition for digital leaders. To demonstrate common dominators and differences across borders, and provide the best insights possible, we've brought in expert perspectives from different markets.

Presenter Josh Gunnell, Director - Fraud Solutions TransUnion in the UK, is joined by:

• Patrick Boudreau - Head, Identity Management & Fraud, TransUnion, Canada
• Megha Khetarpal- Director, Fraud Solutions Lead for Emerging Markets, TransUnion, India

Topics covered include unlocking friction-right design, customer experience across the customer journey and awareness of fraud threats in the digital world.

Research cited by Megha Khetarpal:

• Question 1: Using findings from TransUnion's ongoing Consumer Pulse research survey. Each quarter TransUnion tracks consumer attitudes and experiences towards credit, fraud and related themes.

• Questions 2 response: Insights referenced come from a Deloitte study into the gap between what consumers think of financial services institutions vs. their favourite technology brand. Research cited: Accelerating Digital Transformation in Banking, July 2018, Deliotte Insights.

• 42% of Gen Z and 34% of Millennials plan to apply for credit compared to just 9% of Baby Boomers
• With those Gen Zers planning to apply for credit most likely to use credit cards, with over one in three looking to apply for a new card

The rise in credit card providers, new forms of credit such as Buy Now Pay Later (BNPL), and emergence of subscription service models, indicate that Generation Zs behaviours are beginning to reshape the financial landscape.

Listen to hear more on Gen Z and how FinTechs, and lenders more broadly, can work with them and foster loyalty.

Our expert guests are: 

• Steve Wishart. Head of FinTech, TransUnion UK 
• Kelli Fielding. Managing Director of Consumer Markets, TransUnion UK 

 
** This episode references one of the reports available to download now from our website:    **

TransUnion sponsored The Economist Intelligence Unit to conduct a global survey of 1,610 executives — delving into their mindsets and perceptions around fraud, security and commerce trends in the digital domain.  

New Dimensions of Change: Building trust in a digital consumer landscape report, created by The Economist Intelligence Unit and sponsored by TransUnion is available to download now on our website: https://solutions.transunion.co.uk/digitalconsumertrust/  

  *Source: Generation Z: the new face of financial power | The Independent | The Independent

Women @ TU is a global network group, open to all TransUnion employees passionate about promoting women’s growth. It spans networking, education, personal development, social impact, mentoring and supporting working parents, and creates an opportunity for women to come together to effect positive change.

For this episode we're excited to hand over the mic to our Women @ TU team who help to deliver that message. Hosted by Louise North, Senior Account Director for TransUnion, founding member and external community chair for Women @ TU, Louise is joined by a panel of successful and passionate women from HSBC, Google and TransUnion.

The panel share their own career experiences and challenges to date, talking through topics such as navigating a traditionally male-dominated environment; supporting women in their careers, and the impact that balancing a family alongside a career can have on progression.

Our guests on this episode are:

• Shail Deep, SVP Chief Product Officer for TransUnion Europe
• Fiona Anderson, Head of Everyday Banking, HSBC
• Jenny Welch, Industry Manager - Retail, Google

Our experts will explore the changing fraud landscape and its knock-on effect on consumer trust and CX across generations, and how FinTechs are likely to adapt to shifting consumer preferences — and new and fierce competitors — to maintain their innovative edge.

Our expert guests are:

• Steve Wishart, Head of FinTech, TransUnion UK
• Josh Gunnel, Head of Fraud Pre-Sales, TransUnion UK

**This episode references one of the reports available to download now from our website:

**TransUnion sponsored The Economist Intelligence Unit to conduct a global survey of 1,610 executives — delving into their mindsets and perceptions around fraud, security and commerce trends in the digital domain.

New Dimensions of Change: Building Trust in a Digital Consumer Landscape report, created by The Economist Intelligence Unit and sponsored by TransUnion, is available to download now on our website: https://solutions.transunion.co.uk/digitalconsumertrust/