Credit & Risk

AI credit scoring addresses traditional limitations by introducing more advanced, data-driven techniques. Learn the benefits and challenges.

Mid-sized banks should take a data-driven approach to implementing credit risk strategies if they want to expand their loan portfolios.

Download our infographic to learn how cashflow underwriting is reshaping lending — and how you can lead the change.

As financial behavior becomes more dynamic, real-time data is emerging as a powerful tool in reshaping how lenders assess risk.

With increasing regulatory complexities, compliance with model risk management requirements is crucial for operational resilience.

Experian and Plaid are teaming up to power smarter, faster, and more inclusive lending — fueled by real-time cashflow insights.

Proactive credit limit increases can be a game-changer for financial institutions, improve financial health and stability.

By adopting a proactive approach to credit limit management, financial institutions can improve customer satisfaction and increase revenue.

By leveraging loan loss analysis, lenders can create more profitable business opportunities throughout the entire customer lifecycle.

Loan loss analysis helps financial institutions identify the characteristics and performance of loans that have been lost to competitors.

Discover how cashflow data empowers lenders to unlock new growth opportunities and manage risk more effectively. 

While federal funding is being scaled back for community-based financial institutions, we are scaling up to support CDFIs and credit unions.

Discover how data analytics in utilities helps energy providers navigate regulatory, economic, and operational challenges. Learn how utility analytics and advanced analytics solutions from Experian can optimize operations and enhance customer engagement.

The days of managing credit risk, fraud prevention, and compliance in silos are over. As fraud threats evolve, regulatory scrutiny increases, and economic uncertainty persists, businesses need a more unified risk strategy to stay ahead. Our latest e-book, Navigating the intersection of credit, fraud, and compliance, explores why 94% of forward-looking companies expect credit, fraud, and compliance to converge within the next three years — and what that means for your business.1 Key insights include: The line between fraud and credit risk is blurring. Many organizations classify first-party fraud losses as credit losses, distorting the true risk picture. Fear of fraud is costing businesses growth. 68% of organizations say they’re denying too many good customers due to fraud concerns. A unified approach is the future. Integrating risk decisioning across credit, fraud, and compliance leads to stronger fraud detection, smarter credit risk assessments, and improved compliance. Read the full e-book to explore how an integrated risk approach can protect your business and fuel growth. Download e-book 1Research conducted by InsightAvenue on behalf of Experian

Our new report provides a snapshot of the current credit card landscape and strategy considerations to inform your business decisions.