Success Story | Experian Information Services Malaysia | Dawn Lai.

Season Veteran.

Dawn Lai is the Chief Executive Officer of Experian Information Services Malaysia, and she is a veteran in the field of credit information and data management.

Prior to this, she served as the CEO of RAM Credit Information. And also worked at BRIS Information Services, RAM DP Information, DP Information Network, and The Pacific Bank (now part of Maybank).

Experian Expands with Acquistion of RAMCI.

Experian is a 125 year old and one of the world’s leading global information services company. It acquired a controlling stake since October 2019 in RAM Credit Information Sdn. Bhd (RAMCI), a leading credit bureau in Malaysia.

Experian said that the controlling interest in RAMCI enables it to fast track its overall offering in Malaysia and it creates synergies across its data and decision making portfolio.

“It extends our position in Malaysia, an economy seeing rapid expansion and with a population of 32 million. Experian has a long history of investment and commitment to Malaysia, given our existing investments in our global delivery centre with its 800 employees, as well as our recent investment in Jirnexu which runs RinggitPlus, Malaysia’s leading financial comparison website.” Ben Elliott CEO Experian Asia Pacific as reported by The Star in October 2019.

2.5 Billion Credit Checks.

Experian delivers more than 2.5 billion credit reports annually to help businesses assess and manage risks, and over 180 million people have been checked to see if they are who they say they are.

Fraud prevention is about knowing your customers. Experian has international credit bureau expertise and insights on a billion people and millions of business. It applies data science to prevent application fraud, account takeover and transaction fraud. It also have digital identity verification capabilities.

Power of Data Science.

Turing Award Winner, Jim Gray says that data science is the 4th paradigm of science (empiral, theoretical, computational and now data driven). Data science extracts insights from data, and is used to predict outcomes. It is about solving business problems and helps decision making.

I have seen the power of data science when I was working in CIMB Bank and Ambank. Simple pareto analysis helped focus on the right segments to generate revenue. Algorithms identified likely defaulters. Its predictive value improved profit margins.

Experian helps businesses take control of their data to improve outcomes and build stronger customer relationships. It helps identify and target customers at the right time, creating an authentic customer experience, drive customer engagement and increase customer loyalty.


Malcolm Gladwell in his book, Outliers: The Story of Success, said that success is not just about innate ability. It’s combined with a number of key factors such as opportunity, meaningful hard work (10,000 hours to gain mastery), and your cultural legacy. Random factors of chance, such as when and where you were born can influence the opportunities you have. 

Dawn is a veteran in data management. She certainly has the 10,000 hours of mastery. Experian is 125 year old company is one of the world’s leading global information services company.

Gladwell in his other book The Tipping Point talked about the Law of the Few. With a good proposition, what he calls “Stickiness Factor”, and solid “Context”, a tipping point can be achieved with a few key people – Connectors, Maven and Salesman. The tipping point is that magic moment when an idea, trend, or social behaivor crosses a threshold, tips, and spreads like wildfire.

With the information technology revolution, data science and management are now an integral part of business decision making. Dawn is in the right place, at the right time. This lady is also strong, determined, focused and very smart. We can expect her to lead Experian to grow its business significantly in the coming years. Kudos, and keep up the excellent progress.

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