Without data, anticipating buyer behavior in the months ahead can be challenging. While some OEMs had record sales¹ this spring, it remains critical to identify who’s in the market—whether to purchase or service their vehicle. With tax refund season in the rearview mirror and summer promotions approaching, consumers may be weighing their next move. Some could have “one foot in the showroom door” while others are waiting to see which dealer delivers the most compelling offer. Meanwhile, 41% of drivers choosing to keep their vehicles longer² are likely focused on maintaining them. So how can you best position yourself?  Explore These 3 Strategic Moves to Navigate This Summer:  Firm up your Service Marketing Plan: With summer road trips on the horizon, your customers may be in the market for services like A/C repair, wheel alignment, tire rotation, engine cooling, oil changes, multi-point inspections, and more. Discover who’s most likely to need service in the next 30–60 days with Experian Automotive’s AutoAudiences. Understand Customers’ Communication Preference: To effectively target your audience, start by understanding how they would prefer to communicate. As Car Dealership Guy puts it, “The shift in consumer preferences is undeniable and generational.”³ Experian Automotive’s Product Management Director, Kirsten Von Busch echoes this, adding, “Understanding generational differences is crucial to developing effective marketing strategies that resonate with each group’s unique preferences”. Experian’s Automotive Consumer Insights support this approach with data-driven messaging and communication channel recommendations.  Focus on Growing Market Share with Mid-Year Auto Trends: Two purchase types that are trending in the beginning half of the year include Leasing⁴ and Trade-In. Whether you have EVs or AWD vehicles on your lot, consider (A)ll (W)eather (D)eals that can (1) Supersede those in your backyard as part of your Conquest strategy and (2) Build upon your “Why Buy” dealer loyalty.  Experian Marketing Engine powers automotive marketing by helping automotive marketers identify the right audience, uncover the most appropriate communication channels, develop messages that resonate and measure the effectiveness of their marketing activities. Timing is everything, so start Targeting and Conquesting in your Market today!  Sources:  http://www.autonews.com/retail/sales/an-april-us-sales-2025-0501/  https://news.dealershipguy.com/p/3-real-time-shifts-in-car-buying-behavior-post-tariff-announcements-2025-05-01  https://news.dealershipguy.com/p/dealers-are-saving-thousands-in-labor-in-fixed-ops-2025-05-30 https://www.experian.com/blogs/insights/auto-the-current-state-of-ev-financing-why-more-consumers-are-choosing-leasing/

Bot fraud has long been a major concern for digital businesses, but evolving attacks at all stages in the customer lifecycle have overshadowed an ever-present issue: click fraud. Click fraud is a cross-departmental challenge for businesses, and stopping it requires a level of insight and understanding that many businesses don’t yet have. It’s left many fraud professionals asking: What is click fraud? Why is it so dangerous? How can it be prevented? What is click fraud? A form of bot fraud, click fraud occurs when bots drive fraudulent clicks to websites, digital ads, and emails. Click fraud typically exploits application flows or digital advertising; traffic from click bots appears to be genuine but is actually fraudulent, incurring excessive costs through API calls or ad clicks. These fraudulent clicks won’t result in any sales but will reveal sensitive information, inflate costs, and clutter data. What is the purpose of click fraud? It depends on the target. We\’ve seen click bots begin (but not complete) insurance quotes or loan applications, gathering information on competitors’ rates. In other cases, fraudsters use click fraud to drive artificial clicks to ads on their sites, resulting in increased revenue from PPC/CPC advertising. The reasons behind click fraud vary widely, but, regardless of its intent, the impacts of it affect businesses deeply. The dangers of click fraud On the surface, click fraud may seem less harmful than other types of fraud. Unlike application fraud and account takeover fraud, consumers’ data isn’t being stolen, and fraud losses are relatively minuscule. But click fraud can still be detrimental to businesses\’ bottom lines: every API call incurred by a click bot is an additional expense, and swarms of click bots distort data that’s invaluable to fraud attack detection and customer acquisition. The impact of click fraud extends beyond that, though. Not only can click bots gather sensitive data like insurance quotes, but click fraud can also be a gateway to more insidious fraud schemes. Fraud rings are constantly looking for vulnerabilities in businesses’ systems, often using bots to probe for back-door entrances to applications and ways to bypass fraud checks. For example: if an ad directs to an unlisted landing page that provides an alternate entry to a business’s ecosystem, fraudsters can identify this through click fraud and use bots to find vulnerabilities in the alternate application process. In doing so, they lay the groundwork for larger attacks with more tangible losses. Keys to click fraud prevention Without the right tools in place, modern bots can appear indistinguishable from humans — many businesses struggle to identify increasingly sophisticated bots on their websites as a result. Allowing click fraud to remain undetected can make it extremely difficult to know when a more serious fraud attack is at your doorstep. Preventing click fraud requires real-time visibility into your site’s traffic, including accurate bot detection and analysis of bot behavior. It’s one of many uses for behavioral analytics in fraud detection: behavioral analytics identifies advanced bots pre-submit, empowering businesses to better differentiate click fraud from genuine traffic and other fraud types. With behavioral analytics, bot attacks can be detected and stopped before unnecessary costs are incurred and sensitive information is revealed. Learn more about our behavioral analytics for fraud detection.

Experian and Plaid are teaming up to power smarter, faster, and more inclusive lending — fueled by real-time cashflow insights. The financial landscape is becoming more dynamic and digitally connected. Consumers are increasingly turning to digital platforms not only to pay bills and track spending, but to better understand their financial health, monitor their credit standing, and plan confidently for the future. This evolution presents a timely opportunity for innovation in underwriting — one that empowers consumers to take control of their financial futures and enables lenders to make faster, smarter, and more inclusive decisions. What happens when the leading global data and technology company joins forces with the largest open banking network in the world? Experian and Plaid are coming together to solve some of the most pressing challenges lenders face, bringing cashflow insights into credit decisions, seamlessly. Smarter lending: Elevating the credit decision process For lenders seeking a holistic view of borrowers to make faster, more informed decisions, this new collaboration is a game-changer. Experian and Plaid are combining real-time, unmatched cashflow data and analytics to help lenders improve decisioning, pinpoint risk precisely, and drive financial inclusion. This marks a pivotal shift in how credit is assessed, moving us toward faster, and fundamentally smarter lending decisions. This strategic collaboration delivers real-time cashflow insights in a comprehensive solution, built on core principles designed to directly enhance your lending capabilities: Speed and simplicity: Driving efficiency with seamless integration In today’s fast-paced financial landscape, efficiency in underwriting isn’t just an advantage; it’s a necessity. Our combined solution prioritizes speed and simplicity by offering easy integration through APIs. This ensures fast access to meaningful risk insights, streamlining your workflows. Imagine easily leveraging real-time cashflow risk insights directly into your existing processes for faster and smarter lending decisions. This is about delivering modern infrastructure that allows you to move at the speed of today\’s market, empowering your business to expand with confidence. Broader visibility: Unveiling a holistic consumer view Traditional credit scores are a reliable, crucial tool for measuring a borrower’s creditworthiness. When coupled with real-time cashflow data and risk insights, lenders are empowered with broader visibility, bringing to light a more holistic view of a borrower’s current financial reality and opportunities that may have been missed. You gain a comprehensive consumer financial picture, allowing for more precise identification of both strong financial capacity and potential risks, ultimately helping you target and acquire customers who align with your growth objectives. Smarter decisions: Enhancing models with combined intelligence The power to make truly informed decisions hinges on the quality and depth of your data. Without robust insights, risk models can be limited, impacting precision and speed. With Experian\’s advanced cashflow analytic capabilities and Plaid\’s streamlined access to real-time cashflow data via Consumer Report, you can enhance your risk assessment for smarter decisions. This synergy empowers financial institutions to expand credit access and uncover hidden risks, leading to more precise underwriting. It’s about leveraging advanced analytics in real-time to drive improved decision-making and build stronger portfolios. More inclusive lending: Expanding access, responsibly A significant challenge in lending is ensuring access for all creditworthy individuals, including those with limited traditional credit histories who may be overlooked. This represents an untapped market and a vital opportunity for responsible growth. Our solution champions more inclusive lending, enabling you to reach underserved communities and empower consumers who demonstrate strong financial capacity. This not only fosters stronger portfolios but critically helps your business grow by efficiently acquiring customers across a broader spectrum. Proven trust: Lending with confidence In the financial industry, the bedrock of any solution is trust – in the data, security, and partners. Lenders require unwavering confidence in the tools they adopt. This collaboration is built on proven trust, leveraging the reach, reliability, and security of two of the most trusted names in financial services. Experian’s expertise in credit data and consumer protection, combined with Plaid’s modern infrastructure and trusted open banking network, offers unparalleled assurance. You can securely integrate these powerful insights, knowing you are backed by industry leaders committed to best-in-class security and compliance, enabling your business to grow with confidence without compromise. Smarter lending starts now The evolution of underwriting demands a more dynamic, inclusive, and precise approach. With Experian and Plaid, you\’re not just adapting to change; you\’re leading it. Empower your organization to approve more borrowers, reduce risk more effectively, and make smarter, faster decisions for sustainable success. Ready to transform your lending strategy? Learn more about how to bring cashflow insights into your credit decisions seamlessly. Learn more