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ality data processing ? Efficient database structures and processing power ? Bespoke amp。 generic scorecards ? Application processing software Does the approach work? ? Gini scores of a scorecard for predicting new small business lending default ? Consumer Data Only ? Business Data Only ? Combined Business amp。 Consumer (100 = Perfect discrimination between goods amp。 bads 0 = No discrimination) ? Independent research in the UK has accredited Experian with the most powerful scorecards for predicting pany failure Trends in Commercial Lending ? mercial credit reports solutions ? Online real time delivery of information ? International information Our Expertise ? Developed and operate 10 national Credit Bureaux in UK, USA, Italy, South Africa, The Netherlands, Spain, France, Ireland, Norway and Denmark ? Credit Bureaux solutions developed for 3rd parties in Kuwait, Germany, Turkey amp。 Saudi Arabia ? Clients in more than 50 countries ? More than 5 billion customer decisions delivered annually ? Connectivity to over 60 Credit Bureaux worldwide: including Asian bureaux 益百利 174。 Questions?