Marketing & Acquisition

Explore energy and utilities industry trends 2026, focusing on digital services and evolving customer demands in the sector.

Explore the public sector trends for 2026 shaping digital services, workforce resilience, and citizen trust for better governance.

Growth, risk and the rise of "hidden" business accounts As inflation remains elevated and early signs of labor market cooling emerge, the credit card landscape is entering its next phase. Over the past few weeks, policy actions and discussions around potential interest-rate caps have driven increased uncertainty across the credit card industry and broader global markets. Lenders face a careful balancing act: capturing growth opportunities while maintaining disciplined risk oversight. Our second annual State of Credit Cards Report explores the macroeconomic forces influencing the market, key shifts in originations and delinquency trends, and lender mix. New this year, the report also digs into an often‑overlooked segment: business accounts hidden inside consumer credit card portfolios. Additionally, the report offers actionable strategies to help lenders segment risk and drive disciplined growth more effectively. Key insights include: 30+ DPD delinquency rates remained above pre-pandemic levels in 2025, underscoring the need for disciplined asset‑quality monitoring. Fintechs continue to gain ground, posting a 71% YOY increase in account originations.  Business accounts masked in the consumer credit card universe represent roughly 14% of balances and are more than 50% larger than the business card universe — a material segment with distinct risk and profitability dynamics that many lenders are not explicitly managing today. The report also outlines practical strategies to: Identify and segment business behavior within consumer portfolios. Align underwriting and account management with actual usage patterns. Capture targeted growth while protecting long‑term portfolio performance. Ready to dive deeper? Download the full 2026 State of Credit Cards Report to uncover insights that can help your organization manage risk more precisely and grow with confidence. Download report

Rising late-stage mortgage delinquencies signal hidden risk in 2025. Learn how lenders can identify early warning signs and manage mortgage and HELOC risk proactively.

Discover how Experian’s Rent Bureau and Observed Data can transform your mortgage lead strategy by predicting income, risk, and readiness earlier in the funnel—improving targeting and reducing acquisition costs.

With the Fed initiating rate reductions, the housing market is entering a new phase. Learn what mortgage lenders must know about affordability, borrower behavior, and emerging opportunities.

Direct mail is reshaping mortgage and home equity lending in 2025. See why prescreen targeting, data-driven personalization, and market exits are creating new growth opportunities for lenders.

Addressing where renters struggle mostRental affordability is diverging fast across the U.S. See which states and cities face the biggest rent increases, rising rent-to-income ratios, and shifting renter pressure.

Explore strategies to drive smarter acquisitions, deepen existing relationships and improve marketing efficiency.

With the Fed initiating rate reductions, the housing market is entering a new phase. Learn what mortgage lenders must know about affordability, borrower behavior, and emerging opportunities.

Home equity lending has re-emerged as a central theme in the U.S. financial landscape, driven by economic realities and consumer behavior.

Now in its tenth year, Experian’s U.S. Identity and Fraud Report continues to uncover the shifting tides of fraud threats and how consumers and businesses are adapting. Our latest edition sheds light on a decade of change and unveils what remains consistent: trust is still the cornerstone of digital interactions. This year’s report draws on insights from over 2,000 U.S. consumers and 200 businesses to explore how identity, fraud and trust are evolving in a world increasingly shaped by generative artificial intelligence (GenAI) and other emerging technologies. Highlights: Over a third of companies are using AI, including generative AI, to combat fraud. 72% of business leaders anticipate AI-generated fraud and deepfakes as major challenges by 2026. Nearly 60% of companies report rising fraud losses, with identity theft and payment fraud as top concerns. Digital anxiety persists with 57% of consumers worried about doing things online. Ready to go deeper? Explore the full findings and discover how your organization can lead with confidence in an evolving fraud landscape. Download report Watch on-demand webinar Read press release  

The June 2025 housing market trends report presents a nuanced view of the U.S. mortgage and home equity landscape.

Understanding generational trends and preferences is more crucial than ever, especially for the financial services industry.

Ascend Intelligence Services™ Target leverages custom response models and optimized prescreen strategies to enhance response rates.