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 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
• Ellie Ludlam, partner within the cyber and data risk team at DAC Beachcroft LLP
• 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
• Data Breach Support for Businesses ebook

According to UK Gambling Commission research, 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, consumer research Roberta refers to in this episode
• Find out how TransUnion works and partners with the gaming industry
• UK Gambling Commission June 2022 update: Customer interaction: formal guidance for remote gambling operators

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

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