Brian Funicelli

Writing Samples

Financial Services

Experian Insights •

The Power of Proactive Credit Limit Increases

Published: May 9, 2025 by Brian Funicelli


Managing credit limits effectively can be a game-changer for both consumers and financial institutions. Understanding the benefits and behaviors associated with increased credit limits helps in appreciating the long-term impacts of this strategy. Proactive credit limit management offers numerous advantages that can help improve financial health and stability.


The average credit card limit in the U.S. has seen significant growth. Gen...
Experian Insights •

AI in Debt Collection: Benefits and Uses

Published: January 14, 2025 by Brian Funicelli


In today’s evolving financial landscape and with delinquincies rising, debt collection remains a critical function for financial institutions. However, traditional methods often fall short in efficiency and customer satisfaction. Enter artificial intelligence (AI), a game-changer poised to revolutionize the debt collection industry. This blog post explores the benefits and uses of AI in debt collection, shedding light on how finan...
Experian Insights •

AI Innovation Helps Bring Financial Power to All

Published: December 13, 2024 by Brian Funicelli


Scott Brown, Group President of Financial Services for Experian North America, recently presented at Reuters Next discussing the transformative power of AI and data analytics in financial services. The session also covered the top challenges that financial institutions face today and how advances in technology are helping organizations overcome those challenges.


This keynote presentation was a timely follow-up to Brown’s previ...
Experian Insights •

User Authentication Types and Methods Guide

Published: December 10, 2024 by Brian Funicelli


Protecting consumer information is paramount in today’s digital age, especially for financial institutions. With cyber threats on the rise, robust user authentication methods are essential to safeguard sensitive data. This guide will walk you through the various user authentication types and methods, focusing on solutions that can help financial institutions enhance their security measures and protect consumers’ personal informat...
Experian Insights •

Experian Assistant

Published: November 12, 2024 by Brian Funicelli


For businesses across all sectors solutions that improve productivity are more important than ever. As technology advances, organizations across industries are looking to capitalize by investing in artificial intelligence (AI) solutions. Studies have recently shown that productivity is a leading measure of how well these AI tools are performing. About 60% of organizations surveyed are using “improved productivity” as a metric to...
Experian Insights •

Effective Identity Risk Management

Published: November 5, 2024 by Brian Funicelli


The risk of identity theft continues to grow yearly for consumers and businesses alike. Identity theft and fraud cases have nearly tripled over the past ten years, with cybercrime losses totaling more than $10 billion this year alone.[1] An effective way for organizations to combat these threats is to implement a policy of identity risk management.


Identity risk management refers to the methods used by organizations to anticipa...
Experian Insights •

Call Center Fraud Prevention

Published: September 26, 2024 by Brian Funicelli


In today’s digital age, call center fraud is a growing threat that businesses can no longer afford to ignore. As fraudsters become increasingly sophisticated, it’s crucial for companies to implement robust security measures to protect both their operations and their consumers.


Various forms of call center fraud can have a significant impact on businesses. To prevent this, companies can use effective strategies including multi...
Experian Insights •

The Threat of Replay Attacks

Published: September 12, 2024 by Brian Funicelli


Today, consumer online security is more important than ever. This year, the FTC has already received nearly six million reports of fraud, and 1.4 million of those cases were specifically identity theft.[1] In addition, a recent study reported that losses due to identity fraud amounted to almost $23 billion in 2023.[2] And consumers aren’t the only ones at risk.


According to CyberArk’s global research report, 93% of organizati...
Experian Insights •

Monetizing Personal Financial Experiences

Published: May 16, 2024 by Brian Funicelli


Financial institutions are constantly searching for ways to engage their consumers while providing valuable services that keep them financially sound and satisfied. At the same time, consumers are looking for ways to limit their risk and grow their financial power while improving and protecting their financial health. Here’s the good news: both can be accomplished through personalized financial experiences.


But first, we need to ex...
Experian Insights •

Improve Consumers' Financial Literacy

Published: April 15, 2024 by Brian Funicelli


Financial literacy describes a person’s ability to understand the basic concepts of economic principles, including personal financial management, budgeting, saving, and investing money.[1] For consumers, having a firm grasp of these principles can mean the difference between making smart decisions that lead to more buying power, lower interest rates, and achieving financial goals, or making decisions that could negatively impact the...
Experian Insights •

Credit Education Can Drive Account Openings

Published: February 27, 2024 by Brian Funicelli


During the last couple of years, volatile market conditions have made it more difficult for consumers to improve their finances. In addition, a lack of financial literacy has negatively impacted consumers’ ability to expand their buying power. This can include opening new lines of credit, which is a source of revenue for financial institutions.


Empowering your consumers with credit education and resources can create opportunit...
Experian Insights •

Identity Theft Protection

Published: December 13, 2023 by Brian Funicelli


Online activity is a routine part of people’s days. Americans spend an average of 4 hours and 25 minutes on their phones every day, and many regularly use multiple devices to access the internet. However, with more time spent in the digital space, the risk of identity theft and fraud also continues to grow.


This year, the FTC has already received 5.7 million total fraud and identity theft reports, 1.4 million of which were...
Experian Insights •

Financial Management Services

Published: November 2, 2023 by Brian Funicelli


Capturing consumer attention has always been at the heart of winning revenue and loyalty for businesses. But in a world where digital and social media use have skyrocketed, consumer attention is increasingly scarce.


Financial institutions must combat diminishing consumer attention span and exponentially rising advertising costs, while continuing to ease consumer financial stress and increase their bottom line. Using financial m...
Experian Insights •

Personalized Identity Protection Services

Published: October 26, 2023 by Brian Funicelli


In a noisy digital world, capturing the attention of online users can seem impossible. While a 2015 study claimed that the average consumer’s attention span had shrunk to just 8 seconds, a more recent global study by Yahoo and OMD Worldwide shows that Gen Z consumers lose active attention for ads after just 1.3 seconds—less time than any other age group.[1]


Financial institutions are always looking for ways to attract more onli...
Experian Insights •

Virtual Private Network

Published: June 15, 2023 by Brian Funicelli


Millions of people access the internet every day using desktop computers, laptops, and mobile devices. Though an increased number of online users have been accessing the web while working from home due to the pandemic, many are still going online in public places and using public wi-fi and/or unsecured networks, such as coffee shops, airports, and internet cafes.


While it may be convenient to access the internet from anywhere at a...
Experian Insights •

The Costly Impact of Financial Stress

Published: February 3, 2023 by Brian Funicelli


Financial stress is a growing concern across many demographics. When employees feel stressed and burned out, it negatively affects their work productivity, which can lead to a loss of revenue for the company. The costs associated with low productivity can be detrimental to a business’ bottom line, but they can also be avoided with the right proactive steps.


71% of U.S. employees report financial stress is negatively affecting t...
Experian Insights •

Financial Wellness Can Help Your Customers

Published: December 20, 2022 by Brian Funicelli


Financial wellness is defined by the United States Consumer Financial Protection Bureau as “a state of being in which you can fully meet your current and future financial obligations while feeling secure in your financial future and making choices that allow you to enjoy life,” as cited by Annuity.org.[1] This is a sense of security that most people strive for, but many have trouble achieving.


When you provide financial wellne...
Experian Insights •

Keep Track of Your Personal Information Online

Published: December 2, 2022 by Brian Funicelli


The average person spends nearly seven hours a day online[1]. Much of that time consists of sharing personal information with a variety of websites, which can sometimes lead to bad actors gaining unauthorized access to your personal information for ill-intended purposes. Theft of your personal information – and subsequently, identity fraud – can have seriously damaging consequences. According to a report from the AARP, nearly 42 m...
Experian Insights •

Child Identity Monitoring

Published: November 2, 2022 by Brian Funicelli


Many adult Americans understand the value of monitoring their financial, credit, and online activity for identity theft. With fraudulent online activity on the rise, more and more people in the United States are taking proactive steps to protect themselves against attacks from cyber criminals. However, a lesser-known threat is identity theft against children.


In 2021, 1.25 million victims of identity theft and fraud were childr...

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