Shinsei Financial Deploys Experian Optimization System for its Credit Strategy

Tokyo, Japan, 15 September, 2009 -- Experian®, the global information services company today announced that Shinsei Financial Co., Ltd. has deployed its Marketswitch Optimization system for assigning customer credit limits and loan interest. The system will be used for customer applying for Shinsei Financial's "Lake" brand personal loans. It will provide support in response to new requirements under the revised Money Lending Business Law, helping Shinsei Financial increase revenue in the highly competitive local consumer finance market.

Compared to conventional credit management systems, which require much time and cost in calculating every possibility for each customer, Experian's optimization product identifies the best option rapidly and accurately from the vast array of rules and possibilities for every loan application.

Money Lending Business Law, revenue maximization and operational cost reduction have become more important than ever. As such, Experian is providing this combined service to Japanese clients through the combination of Strategy Management Generation 3 and Marketswitch Optimization.

Shinsei Financial's system will enable the company to use multiple variables including outstanding balance or sales targets, maximum cost, interest or credit lines for each customer. Marketswitch Optimization and its architecture will support decision processes that consider complicated sets of variables and virtually unlimited options.

Shinsei Financial's Decision Technology Director, Akira Kawamura appreciates the products' capabilities and commented:

"It is getting more complicated for us to make strategic decisions since the options generated by forecast figures or increasing rules have become in numerous. With Marketswitch Optimization, however, we are able to make decisions that make the most out of models and rules. Revenue per customer has significantly improved after deploying the optimization strategy.

"Shinsei Financial is confident that we will be able to enhance our competitiveness and profitability by using Marketswitch Optimization along with Experian's Strategy Management product, even in the challenging market environment that is anticipated after the revised Money Lending Business Law comes into full effect."

About Marketswitch Optimization
Marketswitch Optimization is optimization software that is deployed by more than 25 organizations globally. With its high-speed calculation engine and user-friendly interface, complicated bulks of decision processes are made faster and strategies to maximize business effectiveness are provided.

The system can provide optimization strategies that maximize the business target per customer while considering multiple environment variables and restrictions. The system has been proven to be effective in marketing, credit strategy, collections strategy and a wide rage of other business areas.

About Strategy Management
Strategy Management is an integrated credit strategy tool used by more than 600 companies in more than 65 countries worldwide. Strategy Management enables clients to carry out tasks ranging from strategic development of screening, monitoring and recovery operations to system implementation, coherently on a single platform. It offers a range of functions required by credit control departments for shaping credit strategies, including simulation, monitoring and business e-mail management. New credit strategies are immediately applied to the operating environment and can be executed in conjunction with mission-critical systems. The solution also offers a full range of operational functions, including management for credit strategies and security management. 

About Shinsei Financial
Shinsei Financial Co., Ltd. (Headquarters: Minato-ku, Tokyo, President and Representative Director: Shota Umeda), a Shinsei Bank group company, provides personal loans under the "Lake" brand. Shinsei Financial's total principal balance was 735 billion yen as at the end of June 2009. 

For more information, visit http://www.shinseifinancial.co.jp

Contact:
Margaret Lam
VP of Marketing, Asia Pacific
Tel:   +852 2839 5276 
Email: margaret.lam@hk.experian.com

About Experian
Experian is the leading global information services company, providing data and analytical tools to clients in more than 65 countries. The company helps businesses to manage credit risk, prevent fraud, target marketing offers and automate decision making. Experian also helps individuals to manage their credit relationships and protect against identity theft.

Experian plc is listed on the London Stock Exchange (EXPN) and is a constituent of the FTSE 100 index. Total revenue for the year ended 31 March 2009 was $3.9 billion. Experian employs approximately 15,000 people in 40 countries and has its corporate headquarters in Dublin, Ireland, with operational headquarters in Nottingham, UK; Costa Mesa, California; and São Paulo, Brazil.

For more information, visit http://www.experianplc.com or in Japanese, visit http://www.experian.co.jp

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