掌握新的消費者范式：將數字體驗轉化為新貸款機會的投資回報率引擎.pdf

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1、Product Marketing,TruEmpowerSarah Ann Krier1May 2024Mastering the New Consumer Paradigm:Turn Digital Experiences Into ROI Engines for New Lending Opportunities 2024 TransUnion LLC All Rights ReservedAgenda2024 US Financial Services Summit1.What market trends are influencing consumer expectations for

2、 financial institutions?2.What does a successful digital experience strategy look like to meet these needs?3.What outcomes and ROI does a holistic digital experience drive?4.Key Takeaways2 2024 TransUnion LLC All Rights ReservedFor well over a decade,consumer access to credit information has increas

3、ed in the US,championed by a few core industriesConsumer reportingFinancial servicesOffer aggregators34Confidential|Internal use only 2024 TransUnion LLC All Rights Reserved4Consumers today know credit monitoring is important&many regularly engage with it1.TransUnion Global Study Finds More Than Hal

4、f of U.S.Consumers Use Credit Monitoring to Open New Credit Accounts2.TransUnion Consumer Pulse Study,Q2 2023486%of US consumers believe monitoring their credit report is moderately to extremely important158%of US consumers report checking their credit reports at least monthly,with 22%checking weekl

5、y1Only 54%of consumers believe they have sufficient access to credit and lending products25Confidential|Internal use only 2024 TransUnion LLC All Rights Reserved5Consumers today know credit monitoring is important&many regularly engage with it86%of US consumers believe monitoring their credit report

6、 is moderately to extremely important158%of US consumers report checking their credit reports at least monthly,with 22%checking weekly1Only 54%of consumers believe they have sufficient access to credit and lending products251.TransUnion Global Study Finds More Than Half of U.S.Consumers Use Credit M

7、onitoring to Open New Credit Accounts2.TransUnion Consumer Pulse Study,Q2 2023 2024 TransUnion LLC All Rights ReservedConsumers expectations around user experiences are higher than ever before 6They want digital experiences that include:Easy and on-demand digital tools they can access anywhere and a

8、nytimeIntuitiveness such as they get from brands like Amazon and NetflixPersonalization,control and influence over their own experiences and productsRobust functionality and value 2024 TransUnion LLC All Rights ReservedThese trends are forcing FIs to think differently about engagement strategies To

9、be successful,FIs need:Differentiated messages and“hooks”that attract new customers in a crowded digital landscapeDigital engagement channels that keep consumers involved and coming back Efficient and effective marketing channels that drive conversionStrong cross-sell programs to deepen share of wal

10、let and extend lifetime value7What does a successful digital experience strategy look like to meet these needs?82024 US Financial Services Summit 2024 TransUnion LLC All Rights ReservedFlexibly deploy a holistic consumer engagement program that delivers the credit and identity products consumers wan

11、t how and when they want them.TruEmpower Dashboard9 2024 TransUnion LLC All Rights ReservedA well-architected digital experience turns individual products into an ROI engine that drives acquisition and conversion10Maintain brand equity with customizable imagery and color schemeProvide access to cred

12、it reports,scores and contextProvide credit monitoring and engaging alertsDeploy interactive tools like Simulator and Credit CompassOffer identity protection and restoration features 2024 TransUnion LLC All Rights ReservedTruEmpower Dashboard can help you engage consumers across the lifecycle and ca

13、pitalize on that engagement over time11ProtectHelp address fraud-related risk by protecting your consumersProfitLeverage engagement to identify and capitalize on cross-sell opportunitiesEducateBecome consumers trusted resource for credit and identity needsEngageCreate“sticky customers”with valuable

14、digital engagement touchpoints 2024 TransUnion LLC All Rights Reserved12 2024 TransUnion LLC All Rights Reserved13 2024 TransUnion LLC All Rights Reserved14 2024 TransUnion LLC All Rights Reserved15 2024 TransUnion LLC All Rights Reserved16 2024 TransUnion LLC All Rights Reserved17 2024 TransUnion L

15、LC All Rights Reserved18 2024 TransUnion LLC All Rights Reserved19 2024 TransUnion LLC All Rights Reserved20 2024 TransUnion LLC All Rights Reserved21What outcomes and ROI does a holistic digital experience drive?22 2024 TransUnion LLC All Rights ReservedIn a recent study,TransUnion looked at consum

16、er outcomes from using credit monitoring.23Credit-Monitoring ConsumerHave checked their credit report at least once from July 2021 to June 2022Non-credit monitoring consumerHave never monitored their credit through TransUnion at any time during or prior to studyCredit ImproversConsumers with subprim

17、e credit scoresCredit SeekersConsumers with near prime and better scores and intend to open new credit accounts within 12 monthsCredit ManagersConsumers with near prime and better scores and do not intend to open new credit accounts within 12 months 2024 TransUnion LLC All Rights Reserved 2024 Trans

18、Union LLC All Rights ReservedMedian score movement from the month prior to credit monitoring to 12 months after the start of credit monitoring|United StatesCredit-Monitoring ImproversNon-Credit-Monitoring ImproversStep 1:Educate28%23%+5%Overall35%23%+12%New-To-Credit27%12%+15%Underserved26%22%+4%Ser

19、vedSource:TransUnion Global Credit Education Study:A deeper perspective on consumer motivations behind credit monitoringPull consumers in the door with access to their credit reports and scores,and help them build a strong credit foundation24 2024 TransUnion LLC All Rights Reserved 2024 TransUnion L

20、LC All Rights ReservedBring consumers back to your experience with the right tools that allow you to also understand future lending opportunitiesStep 2:Engage251.Compared to 25%of those who did not simulate.2024 TransUnion Analysis,All simulation between 2023-01-01 and 2023-10-312.2024 TransUnion an

21、alysis,All trades opened in 2023,All credit monitored consumers enrolled before Jan,2023,All non-credit monitored consumers not part of TU monitoring3xConsumers who self-monitor their credit are 3x more likely to open a new account235%Of consumers who simulated opened a new card account1 2024 TransU

22、nion LLC All Rights Reserved 2024 TransUnion LLC All Rights ReservedUse that attention to empower consumers to protect what theyve built,making them more responsible&savvy customers Specific reasons surveyed consumers cited for initially checking their credit reports include:Step 3:Protect 26Source:

23、TransUnion Global Credit Education Study:A deeper perspective on consumer motivations behind credit monitoring37%34%31%Protect against fraudFree serviceImprove my score 2024 TransUnion LLC All Rights Reserved 2024 TransUnion LLC All Rights ReservedWhen consumers are educated,digitally engaged and pr

24、otected,theyre more empowered and more profitable to you Step 4:Profit271.TransUnion Global Credit Education Study:Consumer perceptions about credit monitoring2.TransUnion Global Study Finds More Than Half of U.S.Consumers Use Credit Monitoring to Open New Credit Accounts(vs.34%who do not)48%of new-

25、to-credit consumers who monitor their credit open new cards within one year233%of consumers said theyd prefer this lender when opening new products139%of consumers said theyd continue to bank with this lender1 2024 TransUnion LLC All Rights Reserved 2024 TransUnion LLC All Rights ReservedWe also see

26、 consumers with high Dashboard engagement demonstrate strong credit behavior after 12 months enrolledStep 4:ProfitHighly engaged Dashboard users demonstrated lower delinquencies,greater balance paydown and an increase in new credit inquiries after 12 months.2024 TransUnion analysis of TU-hosted dash

27、board populations;Attribute changes from Dec.2022 to Dec.2023Customers with high dashboard engagement logged in at least 7 months over the 12-month period.Non-Dashboard and non-monitoredDashboard customers with higher engagementChange in credit card delinquency(30 DPD)+6.2%-8.9%Avg.credit inquiries

28、in last 12 mos.1.32.6Avg.change in credit card balance13.5%-5.5%28 2024 TransUnion LLC All Rights ReservedCreate an elevated experience that converts with TruEmpower DashboardGet started on your monetization journey with simple,efficient steps29Fewer development resourcesExpedited time to marketStat

29、e of the art UI/UXProven success 2024 TransUnion LLC All Rights Reserved 2024 TransUnion LLC All Rights ReservedTED maximizes ROI by creating a controlled channel for you to display your credit offers at key points in their buyers journeyTED holistically integrates core credit education and monitori

30、ng features into your site to maintain consumer attention and loyalty over the long runTED provides the information consumers need at their fingertips and generates critical insights about what your consumers are looking for TruEmpower Dashboard allows you to capture consumer attention and maximize

31、ROI30 2024 TransUnion LLC All Rights Reserved2024 US Financial Services Summit 2024 TransUnion LLC All Rights Reserved31 Please share your feedback with us!Your perspective is important and will help us improve the structure and content of future meetings.You can access the Session Survey via this Q

32、R Code.There are 3 questions for each Session.Once completed,you can close the browser.After the next session,you scan the QR Code again,and the survey will open where you left off.Session Survey 2024 TransUnion LLC All Rights Reserved 2024 TransUnion LLC All Rights ReservedChat with our team about the TruEmpower Dashboard and other consumer solutions.Jen LafondVP,Financial Services SalesJennifer.LafondTransUSarah Ann KrierProduct Marketing,TruEmpowerSarah.KrierTransUTalk to our team!32