Strategic alliance helps financial institutions enhance credit risk management

Experian Partners with MobiVi to Deliver Analytics Services in Vietnam

Strategic alliance helps financial institutions enhance credit risk management

Hanoi, Vietnam - Banking Vietnam - May 28, 2009  - Experian®, the global information services company, today entered into a partnership agreement with MobiVi, Vietnam's leading e-payment service provider, to deliver analytics services to improve credit risk and fraud management in Vietnam. The partnership allows Experian to build on its presence in the high-growth Vietnamese market, whilst enabling the country's financial sector to improve its credit risk management capabilities.

Under the agreement, MobiVi will work with Experian® Decision Analytics, the international division of Experian which specialises in providing credit risk and fraud management systems and consulting services. The partnership will deliver a series of services designed to help financial institutions in Vietnam maximise the value of every customer interaction. The agreement allows Experian to work closely with MobiVi’s extensive network with state-owned banks and joint-stock commercial banks, which cover 60 per cent of Vietnam’s banking sector.

"Despite the recent global economic downturn, the retail and small business lending market in Vietnam is poised for rapid growth and requires financial institutions to make fast and accurate decisions for customers in the credit origination process," said Dennis Martin, Managing Director, Emerging SE Asia for Experian. "This strategic partnership underlines our commitment to developing our presence in Vietnam and reflects Experian's strategy of optimising clients’ performance in risk management and fraud prevention."

"We are excited by the opportunities this collaboration with MobiVi presents. MobiVi has an unparalleled network and expertise in Vietnam’s banking industry. Together, we will ensure more financial institutions in Vietnam have access to our proven credit risk management capabilities and expertise."

"Our vision to create value for clients is strengthened by our partnership with Experian," said Nam Tran, Chief Operating Officer at MobiVi. "Experian has over 30 years experience in delivering credit analytics and risk decision consultation and software to a global market. This partnership will drive the rapid delivery of world-class analytical capabilities, enabling our partner banks and financial institutions to achieve high-performance lending strategies and mitigate fraud risks."

Experian has successfully deployed over 1,500 robust decision analytics systems for origination, customer management, debt management and fraud prevention globally. Experian’s decision analytics systems offer connectivity to its credit databases, which contain the credit status of more than 450 million consumers and 50 million businesses worldwide. This helps organisations to rapidly implement accurate lending decisions in response to potential risks and rewards.

About MobiVi (
MobiVi builds and operates the largest and most advanced e-payment network and platform in Vietnam and provides the most comprehensive range of e-payment applications on the mobile and online platforms.

MobiVi partners with banks and other financial institutions to bring e-payment services to the market. With the partner bank network, MobiVi provides the complete world-class transaction processing infrastructure, from the network, the e-payment applications, to processor operations, clearing and settlement, and customer support.

For merchants, MobiVi e-payment network enables them to sell online, over the mobile phone, broadening their customer reach, lowering transaction fees and their overall sales costs, and especially providing them with real-time settlement, significantly improving cash flow.

For customers, MobiVi brings the convenience of being able to shop and pay at anytime, from anywhere, over the Internet and the mobile phone, with the most advanced security technologies providing them the assurance that the system has the lowest risk of fraud.

MobiVi currently employs 70 world-class engineers, payment and banking experts with headquarters in Ho Chi Minh City and branch office in Hanoi.

Margaret Lam
VP of Marketing, Asia Pacific
Tel:  +852 2839 5276

About Experian
Experian is a global leader in providing information, analytical and marketing services to organisations and consumers to help manage the risk and reward of commercial and financial decisions.

Combining its unique information tools and deep understanding of individuals, markets and economies, Experian partners with organisations around the world to establish and strengthen customer relationships and provide their businesses with competitive advantage.

For consumers, Experian delivers critical information that enables them to make financial and purchasing decisions with greater control and confidence. Clients include organisations from financial services, retail and catalogue, telecommunications, utilities, media, insurance, automotive, leisure, e-commerce, manufacturing, property and government sectors.

Experian plc is listed on the London Stock Exchange (EXPN) and is a constituent of the FTSE 100 index.  Experian has corporate headquarters in Dublin, Ireland and has operational headquarters in Costa Mesa, California and Nottingham, UK.  The Group employs approximately 15,000 people in 40 countries worldwide, supporting clients in over 65 countries around the world. Total Group revenue for the year ended 31 March 2009 was $3.9bn.

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About Experian Decision Analytics
Decision Analytics is the international division of Experian specialized in providing credit risk and fraud management consulting services and products. Over more than 30 years, it has developed its best practice analytical, consulting and product capabilities to support organisations to manage and optimise risk; prevent, detect and reduce fraud; meet regulatory obligations; and gain operational efficiencies throughout the customer relationship. With clients in more than 60 countries and offices in more than 30, the decision Analytics Division of Experian delivers experience and expertise developed from working with national and international organisations around the world across a wide range of industries and business size.

The word "Experian" is a registered trademark in the EU and other countries and is owned by Experian Ltd. and/or its associated companies.