Business woman using a tablet device with colleagues in the office

Helping businesses make faster, smarter decisions

73% of Group revenue is accounted for by Business-to-Business segment

Our ambition for our B2B business is to be the market leader for trusted insights and decision intelligence across our clients' customer lifecycle. We have successfully shifted our business to address new needs for data, fraud prevention, analytics and decisioning and we plan to extend further across our clients' customer management lifecycle, as well as deeper into new industries.

The value we deliver businesses continues to expand. We help them:

Offer seamless customer journeys

Automate and improve speed of processes and ease of use

Access new data sets and sophisticated analytics and software

Greater competitive advantage and reduced costs

Maximise value of their own data sets

Navigate uncertainty and survive industry transformation

Reduce fraud

Understand and manage risk effectively through recession

We organise our B2B activities into two areas:


Large, powerful data sets with ever-expanding use cases


The sophisticated analytics and platforms that bring data to life

Data (52% of Group revenue)

What we do

  • We provide businesses with information to establish and developrelationships with their customers, grow their businesses over time and to manage risks so they can make better business decisions.
  • We build and manage large and comprehensive databases.
  • We collect, sort, aggregate and transform data from tens of thousands of sources, and through software and analytics use it to support real-time decision-making.

Our key clients

  • Banks
  • Automotive dealers
  • Retailers 
  • Telecommunication companies 

How do we generate revenue?

  • Primarily transactional 
  • Some contribution from licence fees 

Our key datasets

  • Consumer credit history records
  • Business credit history records
  • US vehicle database
  • Consumer marketing databases
  • Online activity database
  • National fraud database

Decisioning (21% of Group revenue)

What we do

  • We draw on the depth and breadth of our databases and third-party information, including clients’ own data, to create and develop analytics, predictive tools, sophisticated software and platforms, increasingly through integrated platforms embedded in client workflows. These help businesses and organisations manage and automate large volumes of decisions and processes more effectively using the most advanced technology.
  • Our services help our clients improve the consistency and quality of their business decisions in areas including credit risk, fraud prevention, identity management, customer service and engagement, account processing, and account management.
  • Our industry specialists and data scientists work with clients to help them find the best solutions for their needs, providing advanced data analysis, research and development.

Who do we support?

  • Financial services
  • Retail
  • U.S. healthcare
  • Telecommunications companies
  • Utilities companies
  • Insurance companies
  • Fintech companies

How do we generate revenue?

  • Software and system sales: consultancy and implementation fees, recurring licence fees, and transactional charges
  • Analytics: a mix of consultancy and professional fees, as well as transactional revenues 

Our key propositions

Ascend Platform (PowerCurve decisioning, CrossCore fraud prevention)

Business-to-Business revenue by region FY24

Regional revenue split US$m ₁


North America

Latin America

UK and Ireland

EMEA and Asia Pacific 















₁ Revenue from ongoing activities.

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