Welcome to the Experian Thought Leadership Hub

Terrace Finance sought out a solution to stay ahead of evolving fraud attacks. They landed on NeuroID’s behavioral analytics — and gained immediate, pre-submit visibility that upgraded their fraud prevention strategy.

Key Results:

• 50+ reduction in manual reviews
• Reduced fraud for lending partners by over 50%
• $250K in potential losses prevented in a single attack

Experian surveyed product, fraud and credit risk leaders across 10 countries to understand where underwriting is headed. The takeaway is clear: it’s evolving to be frictionless, embedded and nearly instant.

In this report, you’ll discover:

• How credit underwriting is expected to evolve by 2030
• The primary forces driving these changes
• Key takeaways to help your business lead into the next decade

Discover the transformative trends reshaping the future of underwriting, from agentic AI to alternative credit data.

A few spoilers:

• 80% of leaders will leverage alternative data vs. traditional data by 2030.
• 62% see fraud prevention as one of the key reasons for alternative data adoption
• More than 61% anticipate that scoring, decisioning and data collection will be outsourced by 2030.

2025 has presented a new wave of challenges for workers and employers to navigate. From immigration policy changes and federal employment cuts, to growing AI capabilities, reduced hiring and job creation revisions, we have seen new dynamics evolve this year that will likely continue to impact the labor market going forward.

The Q3 Labor Market Monitor tracks data from a variety of sources to shed light on these dynamics and gives readers a more comprehensive view of the job market.

According to Experian’s latest Commercial Pulse Report, business formation remains strong:

• 471,000 new business applications were filed in July alone
• Between 2018 and 2023, the number of new businesses establishing commercial credit rose by 38%
• New businesses today look more financially stable than those from earlier years

What’s driving this resilience?

👉 Faster tech adoption

👉 Hybrid business models

👉 Stronger financial fundamentals

The pandemic forced small businesses to transform at record speed. Now, they’re leveraging those lessons to build smarter, more adaptable enterprises.

Check out the full report to see how these trends could impact your strategy!

Subscribe to Commercial Pulse Report

Financial institutions face several challenges during the credit decisioning process, such as poor data quality, scalability issues, data fragmentation, and high maintenance costs. Experian can help lending institutions enhance their credit decisioning journey at every step, through:

• Model development
• Model deployment
• Decisioning
• Fraud analysis

Discover how your organization can take your credit decisioning journey to the next level with the Experian Ascend Platform™.

Millions of U.S. households remain unbanked, yet many possess the ability to borrow responsibly. Read our infographic to learn how you can leverage real-time cashflow data to: 

• Reach consumers with little or no credit history. 
• Tailor products to real financial behaviors. 
• Make faster, more confident decisions.  
• Improve access to credit and enhance portfolio performance.

Experian’s Brodie Oldham, VP of Commercial Data Science, and Marsha Silverman, Strategic Analytic Consultant revealed several insights on how small businesses are performing during the Q2 Quarterly Business Credit Review.

During the webinar we asked the audience:

• Which macroeconomic factor is having the greatest impact on small business credit conditions this year?
• What actions if any have you taken in 2025 in response to additional tariff?
• How are small businesses adapting to tighter credit conditions in 2025?

Why you should watch:

• Leading Experts on Commercial and Macro-Economic Trends
• Credit insights and trends on 30+ Million active businesses
• Industry Hot Topics Covered (Inclusive of Business Owner and Small Business Data)
• Commercial Insights you cannot get anywhere else
• Peer Insights with Interactive Polls (Participate)
• Discover and understand small business trends to make informed decisions
• Actionable takeaways based on recent credit performance

Outstanding student loan debt in the U.S. has reached an all-time high of $1.63 trillion, and the ripple effects are being felt far beyond the personal finance arena. This unprecedented debt burden is now shaping the way many small business owners borrow, manage credit, and maintain financial stability.

Check out the full report to see how these trends could impact your strategy!

Subscribe to Commercial Pulse Report