White Papers
2012 Regional Electoral Roll Opt-Out
Report
January 2012
Despite decreasing for the second year in a row, opt-out rates still remain significantly high with dramatic disparities between local authorities. Callcredit's 2012 report looks at the regional differences (including a full breakdown of UK council opt-out rates) and takes a look at the profile of a typical opt-out.
Making the Most of Your Data
By Will North,
Market Development Manager
January
2012
This White paper is the second in a series of insightful papers
to be released by Callcredit and continues where the last white
paper, "The Increasing Value of Data in Credit Risk Management"
left off.
Delivering the right data into your organisation is only half the
battle. Turning that data into insight and that insight into
effective strategies and better decisions is even more
important.
This white paper looks at more effective strategies, smarter
decisions and a new approach to Credit Limit Management.
PPI - Reaping Opportunities from the costs
By Juliet Coukham,
Director, Retail Lending Strategy
January
2012
The Payment Protection Insurance (PPI) mis-selling
judgement has been a huge financial and reputational blow for UK
banks.
Having failed in their High Court bid to overturn the Financial
Services Authority's Policy Statement 10/12 on the redress of PPI
complaints, the major high street banks have had to set aside
billions of pounds to meet the flood of compensation claims.
Alongside these remediation provisions, banks also face enormous
operational costs to support the PPI recompense process.
This white paper suggests that for banks that adopt a proactive,
strategic approach, meeting PPI requirements could provide
opportunities to garner significant commercial advantages.
To read the full White Paper please click on the links below:
> Download PDF
> View Digital Version
The Increasing Value of Data in Credit Risk Management
By Will North,
Market Development Manager
September
2011
In this, the first of a series of articles, we examine the need for a lower-risk, more robust and methodical approach to credit risk management that is increasingly necessary in the current climate.
In this initial paper we assess economic conditions, the regulatory environment and other market factors affecting financial services organisations.
With costs and efficiency also high on the agenda, and increased automation also a necessity, there is more need than ever for organisations to utilise all the data available to them to improve their insight and enable smarter decisions.
Social Media Comes of Age
By Paul Kennedy,
Head of Consulting
September 2011
The new "business as usual"
Every new medium eventually becomes 'not a new medium' and social is no exception. There are clear signals that social media is now being accepted as just another element within the mobile marketing and general marketing mix. This is evident across most top UK brands in one form or other. The novelty may have worn off but the commercial exploitation has only just begun.
To read the full White Paper please click on the links below:
> Download PDF > View Digital Version
Terms of Engagement
By David Beardmore, Business Development
Director
April 2011
Reapplying the fundamentals of direct marketing to successfully engage with a new breed of consumer in 2011
The convergence of statistical techniques, data processing, consumer data and digital printing in the 1990s resulted in many brands undertaking highly sophisticated direct marketing programmes. We never had it so good. However, the shift in consumer power and the relatively rapid arrival and development of digital marketing, channel proliferation and inbound interactions turned all of this on its head.
To read the full White Paper please click on the links below:
> Download PDF > View Digital Version
Marketing With a Digital Heartbeat
By Paul Kennedy, Head of
Consulting
December 2010
How to drive successful customer engagement by placing digital marketing at the heart of the organisation.
Price rises, internet rates and job uncertainties have caused consumers across all affluence groups to moderate demand, exhibit socially conscious behaviour and reconsider traditional spending patterns.
Marketing has come a long way since the first ever web page
about 20 years ago and Nicholas Negroponte's 1995 classic, 'Being
digital'. However, we are still some way off reaching Nirvana.
Consumers have fundamentally altered the way they make purchasing
decisions. Companies aiming for growth will need to work harder
to
address new customer values and changing behaviours. This paper
sets
out some of the issues and opportunities facing marketers moving
into 2011.
To read the full White Paper please click on the links below:
> Download PDF > View Digital Version