Report
Published November 28, 2023
Alternative Financial Services Credit & Economic TrendsAccess our 2018 trends report, which dives into the latest findings attached to the industry and the consumers utilizing Alternative Financial Services products. Uncover new data on payment behavior, credit utilization and quality, and consumer stability for those individuals using products like short-term loans, pawn shops, payday loans, rent-to-own and beyond.
Discover how traditional lenders can benefit from these data insights, as well as what it reveals about subprime consumers.
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Infographic
2026 H1 Alternative financial services trends snapshot: growth, risk and where it’s moving
Download the latest Alternative Financial Services Trend Report to reveal new insights on growth and risk, including:
- Loan volume is up 21% YoY across installment and single pay products
- Installment bad rates declined 6.8% YoY
- Returning borrowers grew 26.5% YoY in RTO/LTO
Webinar
Understanding the Consumer: Trends in Financial Behavior and Spending Patterns
Gain a clearer view of how consumers earn, spend, and manage their money in today’s evolving economic landscape. In this webinar, Experian experts break down the financial behaviors shaping demand, risk, and growth—using macroeconomic trends, credit data, and transaction-level cash flow insights.
- Key trends in spending, income stability, and cash flow
- What credit and cash flow signals reveal about your customers
- How to apply these insights to marketing, risk, and growth strategies
Report
Q1 2026 Lending Conditions Chartbook
The consumer credit market entered 2026 on stable footing, but rising uncertainty - from geopolitical conflict, energy costs, and interest rates - is reshaping the outlook for lenders and consumers alike. Explore what’s changing and what it means for your strategy.
- Delinquencies stabilizing, standards easing
- Rising costs pressuring consumer affordability
- New risks shaping lending growth outlook
Report
Stablecoins 101
Financial Frontiers explores the structural shifts, emerging technologies, and regulatory developments reshaping financial services. In this inaugural brief, we examine how stablecoins are moving from niche crypto instruments to institutional financial infrastructure — and what that means for strategy, liquidity, and competitive positioning.
- Why stablecoins are gaining institutional traction
- Regulatory momentum and implications for financial firms
- Strategic questions leaders should be asking now