Swisscard AECS AG is a joint venture between Credit Suisse AG and American Express. Working on behalf of Credit Suisse, Swisscard is the only company in Switzerland to offer the world's most popular credit card brands - American Express, MasterCard, and Visa - from a single source, giving Swisscard clients the widest choice of credit card products available on the Swiss market.

Swisscard is to employ two Experian decision support systems - Experian New Business SM and Experian Probe SM - as part of a wider consumer credit and payment related services implementation being undertaken by TSYS, one of the world's largest companies for outsourced payment services.

As a part of the application processing environment, Experian's New Business SM application decision system will enable Swisscard to assess and make decisions on applicants, identifying optimal customers and offering tailored packages to suit their needs.

Experian's customer management system, Probe SM, will support Swisscard decision making on areas such as credit limit management, customer service and debt management, based on a comprehensive and up-to-date understanding of the customer.

Both Experian systems will provide Swisscard with the ability to make fast, accurate and consistent decisions throughout the credit lifecycle that are consistent with its business objectives and lending strategies.

Klaus Rixecker, Head of Risk, Swisscard, comments: "The sustained growth that Swisscard has achieved since its launch has only been possible because of our relentless focus on delivering high quality customer value. We need to ensure that our offer provides value to our customers, but that those customer relationships also deliver value to Swisscard itself. We see Experian as being an important component of that strategy. The insight and capability its solutions provide will help us to ensure that our customers are treated appropriately and in line with our wider business objectives."

David Groom, Managing Director EMEA, Experian Decision Analytics, comments: "We are delighted that Swisscard has selected Experian to help manage its growing consumer credit card portfolio. Experian's wide range of credit risk and customer management services continue to gain traction throughout mainland Europe, helping lenders to make effective and efficient decisions that benefit both the customer and the lender."