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  "documentTitle": "EFX+ +Barclays+Credit+Bureau+Day+Presentation+2023",
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  "authorName": "Equifax",
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      "text": "EFX Next Gear...cloud native technology... accelerating NPI, faster data delivery, always on",
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      "text": "Accelerate Innovation and New Products\nLeverage Equifax Cloud Capabilities\nExpand Differentiated Data Assets\nPut Customers and Consumers First\nExecute Bolt-on M&A\nContinue Leadership in Security\nAct as One Team, One Equifax",
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      "text": "EFX Next Gear... differentiated cloud native technology platform... faster data delivery, accelerating NPI, always on capabilities\nDeliver spending reductions... $210M in 2023 / $250M 2024... with additional spending reductions as cloud completes in 2024 and 2025\nContinue to outperform underlying EWS markets... expanding records, penetration, NPIs... fast growing Government / Talent markets... trended solutions... global expansion\nComplete Cloud Transformation in USIS... leverage Data Fabric and existing / partner assets to accelerate NPI (EFX OneScore)... fast growing ID&F and Commercial\nLeveraging market leading positions in key markets... strong NPI... expanding margins\nContinue strong new product innovation with Vitality Index above 10% LT goal... NPI is benefitting from EFX Cloud, Data Fabric... differentiated data\nClosed Boa Vista Serviços acquisition in August... second largest credit bureau in fast-growing Brazilian market... pause M&A to complete integrations of 2022 / 2023 acquisitions\nAccelerate AI / ML capabilities with cloud native technology... proprietary data... revenue growth from faster product development, more predictive models... cost savings\nAccelerate free cash flow... capex declining... return cash to shareholders",
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      "text": "Cost savings: $210M",
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      "text": "STRATEGIC PRIORITIES",
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      "text": "EFX executing against EFX2025 strategic priorities in tougher mortgage market",
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